We are supposed to get a 10% off Navigators and General insurance I negotiated while I worked at Zurich Insurance (their parent company). I still know the staff there and they are all boaty people. The link for fully paid up members is:
However, I note that people have reported elsewhere in the Forum that they are no longer the cheapest.
All I’d say is negotiate very very hard on your first quote. After that any annual quotation increase will still be competitive. Changing insurance later is a pain as nearly all companies will require a recent survey. A survey after say 4 or 5 years will probably offset any reduction in premium achieved by moving.