And the older I get, the more I feel it may be wise to stick with the same firm as they may be more likely to renew an old bloke's policy than to 'grant' a new one. So I carry on with CN, no doubt paying for other new customer discounts.
But we don't even know who sets the premiums.
Aviva or CN?
Also - are you actually getting the same cover? I've seen cheaper home insurance but then found out it does not provide the cover I want. And in the case of the home (where problems might arise over time) I don't want to get into arguments with two firms over who might pay out.