This seems to be the same story with most insurance firms they expect you to change every 12 months to a different provider. I think if you look at the risk involved if they offer you a low premium for the first year and you don't claim the chances that you may claim in the second year rise considerably.

This may be ballcocks but its just my theory and I change every 12 months and it saves me �100's every year with 2 cars and 2 bikes house etc.

That is just the way it works these day's there are no bonuses for loyalty.