Make sure you don't accept the renewal premium - ask for a new quote.

Last year's Carole Nash premium for a multi-bike policy with a K1300S and XT660R was �460. The renewal came through requesting �480. I called them and asked them to run it through the system again rather than simply quoting for the same underwriter, and the quote with a different underwriter came in at �345! Guess which one I took!

So I don't think you can always just blame the broker. Usually it's the underwriters that bump up the renewal price, but the brokers could certainly make more of an effort to when quoting for renewal.