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>Can't see the logic of the 125 cover nearly doubling, when I've been with the same company for several years,
Probably just because you've been with the same company for several years, they hope you'll just renew without checking, as many apparently still do.
>or being offered a lower rate from the same company online.
As Mike posted, "Many insurers are obsessed with getting new accounts, and so they offer low prices" ... initially.
Hth.
Regards,
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