Sick of this every foccing year.

[sinto607276]

Yes I have seen excess slowly creep up too, and always factor this in when getting quotes.
I never knew that about summer quotes - mine is in October, I wonder if it is worth while for those hit by summer quotes to go for a 6month one then 12 even though you will not be adding another year NCB in doing so, is that right that if you only insure 6 months a year you dont gain NCB

Fazer, you can also go for a month to month insurance to get it to the date you want, costs a wee bit more but maybe worth looking into?
As far a losing your ncb, I wouldn't think you can get it for less than a year but changing the date to suit might save you more in tge long run.