Many insurers are obsessed with getting new accounts, and so they offer low prices. If the on line offers are ad you say then simply take out a new policy . Be what is known as an insurance tart.

OK. I'll be a tart...£60 from Swinton gets a years loyalty.
I'm used to changing insurers yearly with the 900/1100, both are group 16.
Can't see the logic of the 125 cover nearly doubling, when I've been with the same company for several years, or being offered a lower rate from the same company online.