On the third year of being with this company their renewal quote was £300 higher than it had been the previous year (a slight increase on the second year of being with them, this I overlooked and renewed anyway). The new policy with them was over £700 per year for, I quote, 'no changes made to the policy'. So their increase was for TPFT with absolutely no change from previous years and £260 higher than the cheapest fully comp quote online. Their justification; "the renewal premium has increased this year due to numerous external factors such as the on-going burden of uninsured drivers, fraudulent claims, increased personal injury claims, general inflation and the recent rise in Insurance Premium Tax. I can also see that there has been an increase in the interest rate which has increased from 8.5% last year to 14.80% this year. There is also an increase in the APR which has jumped from 19.80% last year to 36.30% this year. In light of the above, I'm afraid the renewal premium you have been quoted is simply the lowest we can offer and cannot be changed. " Absolutely appalling way of treating existing customers.