Got my renewal quote through this morning; £740 and that doesn't take into account the SP30 I got back in August!!! That includes full monty breakdown cover and a courtesy car, and 'free' physiotherapy cover, which is what I had specced for my last year.
I did a few online quotes and they were coming out around the £400 mark, but without the breakdown cover and courtesy car.
So, I did a quote online with my current insurer (RAC), specced it up exactly as the renewal was, but included the SP30 and it came out £300 cheaper.
Unfortunately they wouldn't accept the payment online so I phoned them thinking that they'd turn me down (the online quote included a new business discount, as they do...), but they price-matched the online price with no quibble.