Changed my car insurance last year to Lloyds - got an annual premium for £299.46. Was very impressed when it was reduced by £24.68 as my no claims was 9 years and not 8 as I stated. Now the problems - had an accident not my fault - contacted Lloyds who passed it on to a York based solicitors who were only interested in personal injury. Eventually got to an accident management company who did a good job. The solicitors continued to push for liability. Now due to renew insurance and been quoted by Lloyds for £513.99 with no claims still at 9 years - have not yet spoken to Lloyds but looks likely I will be changing. Also looks like all insurance companies push the premiums up thinking you can't be bothered changing - Wrong I can be bothered changing and will.