New clients always get big discounts , existing client renewals pay for this in my opinion hence the difference,
Each year I do a search of like for like insurance of both home and car and move to them I make very very good savings, this year my car is with LV ,,my home with Direct Line best deals ive had for some years
My RAC was due last month the renewal was £52 more with them direct , U Switch was £ 85 less RAC said that's for new clients SO at midnight when it expired I did not renew BUT at 8 am I did it via U Switch and got the £85 reduction