I got my renewal in for my other car last week (Ford Focus) and was quoted £406 by DL (fully comp. business use etc etc) Did some surfing around and got a quote for £326 from Tesco Insurance. Armed with this quote I phoned DL today and laid it on thick about how I have ALL my insurance with them, house, Boxster, second car etc etc. The bloke started off by saying that DL give the most competitive quote to customers at renewal time, but he'd "see what he could do for me". Amazingly he then asked me to confirm I had my house insured with them, which I did. He put me on hold and them came back with....... £312!!! It turns out that when you take out a policy with DL from their web-page, you only get the online discount, which is maybe 10%, but it doesn't take into account the fact that I have my house cover with them, which seems to give you a bigger discount, so the moral of the story is, if you have house cover with DL, phone them and you're bound to get a better deal than the online quote system.