I got my renewal notice for my motor insurance last week for a total of €540. I decided to check it against a quote from the insurance company's online website and when I did the quote was just €350! When I rang the insurance company to enquire about the big difference in the renewal rate, they put me on hold for ages and then came back with some unconvincing excuse and said that the insurance would indeed be only €350 and they would make a note of it on my file but wouldn't send me out a new renewal notice. It all sounded a bit dodgy to me but I wasn't going to complain considering I had saved myself almost €200 from one phonecall. Just a heads up to the rest of you. You could save yourselves a lot of money.