I recently received my renewal documents for my car insurance through Norwich Union Direct: £404.17 (with £220 excess), so up a bit on last year.

We had also insured my wife’s car with Norwich Union Direct and after changing the car had had a horrendous time trying to obtain a quote for the new car as that policy too was due for renewal. We eventually received a quote for that of £200.00. Through the Post Office, we’d got insurance for £150-ish with a further £50 cash-back to come after 60 days. The new insurer? Norwich Union…

So I thought I’d do a reality check on my renewal through the Post Office. £304.69 (with an additional £50 cash-back to come) and only £100 excess. The insurer? Yes, you’ve guessed it … Norwich Union!

The Post Office quote had added £24 for legal protection that I don’t want, so I just rang them to take them up on the quote (without the £24) and got re-quoted at £287.64 with £50 still to come back later.

So I’ll be saving £166.53!

Oh and when I rang to cancel the direct debit for my old policy, they asked if there was a way they could look at my renewal quote to get it down. I said no. Too late: “you snooze, you lose”.