I received by post a notice of renewal with a £350 premium from my insurer following my second year of cover. This was a £100 hike over the previous year. As usual, I surfed for competitive quotes and lo and behold found no offer of cover from this insurer via Go Compare but a much lower offer of £240 from them via Moneysupermarket. I decided not to accept the posted notice of renewal and instead to take up their confirmed quotation via the internet. During the online process came the likely need to send proof of No Claims. Expecting this to trigger a way out for the insurer to decline (sending them their own proof of NCD), I was somewhat amused to receive a near instant email acceptance of my full premium payment which included a statement that they had automatically been able to obtain the NCD proof. A few days later I received the certificate and policy documentation. I wonder how many get taken for a ride in this way.