There are not really many different insurers, just different groups selling them with minor to no differences excepting the logo and name, with the underwriters in competition with themselves (not really) as well as with the other few. From an older dormant topic -
As for ‘loyalty’ or other discounts? A game they play. As noted in other topics it is often best to buy a new policy every year rather than take up the ‘loyalty’ renewal, even if with the same company.
