Insurance Renewal Decoder

Your insurance renewal landed with a higher number and no explanation. This tells you whether the rise is normal or steep, what's likely changed in the policy, what to check before you renew, and the specific phrase to use on the phone, plus the percentage reduction you can realistically aim for. Paste last year's premium and this year's.

My {INSURANCE_TYPE} insurance renewal has arrived. Details: {RENEWAL_DETAILS}. Last year's premium: {LAST_YEAR_PREMIUM}. This year's renewal: {NEW_PREMIUM}.

Explain whether this increase is within normal limits or significant. Tell me what has likely changed in my policy and what to check before renewing. Tell me the specific phrase to use when calling to negotiate, and what percentage reduction I should realistically aim for. If I should switch rather than negotiate, tell me what to look for when comparing and what cover level I should not compromise on.