Although I said "no twenty minute phone call" I decided to just check if I could improve on my renewal quote by doing a new customer online quote and guess what, yes I could
So yesterday gave them a call (24 minutes) and renewed as a new customer but also in addition to protected NCD I also now have reduced my excess from €300 to €125 added stepback NCD and also personal accident benefit
Total value of the additions came to €48.63 and there still is a minimum premium charge been added of €20.83 to bring the policy up to the €310
As we've said before in this thread I've done this so as when next years renewal comes in and if by chance I can't get it down to the minimum premium I can remove some or all of the additions to help lower the premium