Yes the renewal game has indeed done a farcical about face for loyalty. You are now required to chase around and get a competitive quote which they will then normally match to retain you as a customer, if you just renew they stiff you. Some of the smaller companies like A-Plan do this for you and same you time and money now. Full cycle on the so called cut out the middleman valu eof the Internet!

Everyone loves a Morgan. Even me, unless it's broken again.