Some time ago you recommended LV for car insurance and I switched over to them then. On receiving my first annual renewal premium recently, I was very pleased to note that there had been no increase on the first year. Admittedly I am retired so no commuting and I only do 8000 miles per annum, but full marks to LV. Incidentally, I advised them that I had just re-fitted my winter tyres and was in turn told that their underwriters had now formally notified them that there was now no need to let them know this in future.