LV are pretty good at the moment and are negotiable on price.
Had the same with Saga, they were never the cheapest but not a bad price then their prices got silly.
It was the AA that started all this nonsense off, they tried to capture the majority of the car insurance market with low prices (I seem to remember their target overt 60% of the market) but after they failed to attract as many as they thought they would they started to go for the renewal trap instead.
I use a specialist broker for some of my vehicles and even they struggle to get decent prices in Merseyside these days.
In a time of universal deceit - telling the truth is a revolutionary act. George Orwell
When the debate is lost, slander becomes the tool of the loser. Socrates