Renewals are always daft, they hope you'll do nothing and take it from behind.
I remeber direct line renewal was always massive, then if you requoted with direct line online it was half the price, but the renewals department would say that online quotes were a separate department and could offer it cheaper!
E90 330i 6MT gone. E91 335i 6MT gone. AMG E63 Estate gone. M6GC current...