Insurance companies, banks, utility companies = the enemy.
Loyalty will cost you money. Always shop around insurers each year even pretending to be a new customer with your existing insurer if need be.
Apparently the cheapest quote for fully comp insurance was less than £1 last year on MoneySaving Expert. Yep less than £1. It was 68p I think

. The guy who got it made use of cashback offers IIRC.
If you have 12 years no claims just get the basic insurance Third Party or Third Party Fire and Theft with legal assistance or fully comp with a massive excess is bizarrely some times cheaper on web quotes. If you have an old car more than likely in any collision it will be a total loss and written off so no point what so ever in paying a higher premium for a low excess of say £50 or £100 with a fully comp policy. High excess means much lower premium. As you have 12 years crash/claim free you are a good risk, you are very unlikely to have a claim that is YOUR fault, so why pay for an all singing all dancing policy with bells on that costs ££££££££££ to cover prangs to your own car which might be your fault and in any case if car is old it will just be written off. Paying any more than you have to to insurers is a waste of money IMHO. Just because you pays a high premium doesn't guarantee good service if you make a claim.
All insurers have call centres which employ a sub species of human so you are in the sh1t if you need to call them who ever you insure with.
Plus if you go to a broker all they do is type your details in to a price comparison website anyway

! Plus you then get lots of junk spam unsolicited mail and loans taken out in your name unless you get the opportunity to scrutinise the small print to opt out of any communication/correspondance, and even then they can just ignore your opt out. They will send your details around the globe to India or China if they have other offices within their group of companies in these regions.
Anyway my choice has been HastingsEssential 2 years running, by far the cheapest. However mileage by car last year 627, by bicycle 10,000+. So the car's days may well be numbered.
Just my 2ps worth.