This has absolutely nothing to do with AF but I thought it worth mentioning in case it may help A N Other.
I suspect that like me most people sleep walk through their car insurance renewal and accept the new premium on the basis that last year when you checked you got a pretty good deal.
Well this year mine had gone up by about £60 so I decided to ask the meerkat for some quotes (Other price comparison sites exist). It must have taken me about an hour to navigate my way round all the variations and work out what I was prepared to accept and another 3/4 an hour to actually phone my current provider and cancel plus agree a new policy with a new company.
Result is a saving of approx £190 which ain't bad for two hours work.