Overview

• Sixty-one percent of drivers who negotiated secured an average annual saving of £64, with 5% of those saving more than £200 on renewal quotes
• Drivers in vulnerable circumstances were more likely to discuss premiums but often had to change their policy and found the process harder
• Which? has questioned whether initial online quotes offer fair value after substantial discounts emerged from phone negotiations
• Rules introduced in 2022 prevent insurers from charging renewing customers more than new customers for equivalent home and motor policies
• The Association of British Insurers says bespoke telephone offers reflect deeper assessments of factors such as vehicle security, driving habits and cover levels