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Every year,my insurance goes up even with 5 years no claim and same car. why? it should have been cheaper surely, i heard of quidco,is it worth the hassle?

Go on elephant.co.uk when they ask what your best quote so far was put in a figure a couple of hundred less. they will beat your old company. then ring your existing insurer and barter with them based on elephants quote. swinton are good also, better rates over the phone, net rates are quite high but subject to negotiation