They still quote cheaper on compare sites than when you're a loyal customer. Once you tell them , they reduce.
Notice how all our excess has crept thorough from average £200 years ago to 350. Did u all spot that ?
Basically there's a set of parasites in modern life ==insurance , lawyers, banks , mps , your government , energy suppliers etc. funnily enough they all deal with each other in some way ..... If any costs go down its amazing !! But it's a rarity and it won't be in your interest.
As good ol George carlin said years ago " it's one big club,, and you ain't it !! "