Hi Mac,
You will be fine leaving your current company at the end of your contract. Make sure that the policy is not automatically renewed though, they will send you letters about this close to the expiry date. Ask for a proof of no claims bonus/discount letter or certificate.
Looking at the quotes, £900 per year for a person with 1 years no claims on a £20,000 car that is notoriously expensive to repair with high mileage is not too bad you know! I was paying a similar amount a few years back. As soon as the no claims gets racked up you will be laughing.
One thing to try is to ring up R&SA and tell them that you prefer their policy but your current insurance provider are offering you a policy £50 cheaper, say to the telesales person "if you can beat their quote you will renew the policy right now" Then if he can, do go for it.......I don't think you'll get them to drop more than £50 but you can always try! You need to be specific when they ask how much you were quoted by the other company, so say something like £853.17 with a £xxx excess.
Secondly you mention that you lost 2 years no claims. Were you at fault on this claim? If not make sure the new company know that
It's also worth getting protected no claims next time!
Cheers
Rob
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