I have been tempted to switch. I have been with the same insurance company for years, though I do a comparison every year. The thing that keeps me there is the ease of claim. Last year I had 2 accidents - one rear-ended me and one side-swiped me. When I contacted the insurance company they offered me a choice of three repairers on the spot and my car was in for repairs the next day.

My friend has a cheaper policy and when she had an accident, she had to get 3 quotes herself and then send them off to the insurance company. It was almost 2 months before the insurance company got back to her and told her which repairer she could use. Only one instance I know, but it has made me nervous about the cheaper policies.