Loyaly with insurance and other large organisations does not pay. As you did I always query renewal quotes even getting quotes within a month of the renewal date. I carefully check like for like in things like policies etc. to get a true picture. Earlier this year my ISP came up for renewal I phoned them and asked what they could offer to renew it was half the previous annual cost.
Sony Xperia Z5 review: Hands-on with the phone which the Z3+ should have been