hello, well it is that time of year when my motor insurance is due for renewal, said paper work arrived in post and lo and behold quite a rise in the 2016/17 premium so as i have never claimed got on the phone to see if i could get a better deal rather than go on one of those check it web sites ( if you dont ask you dont get), i will point out only do about 5,000 miles per year sometimes much less, anyway after a short pause mr hastings direct gave a £38 deduction so that was a result, well sort of