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They always do it, get quotes from Bell direct and Elephant, same parent company but you can play them against each other.
It's how they try to make there money, give you a good quote for the first year, bump it up after that hoping your too lazy to shop around, lots of people never bother...
Never stay with your current company without shopping around.
For the last 5/6 years i have just been playing Bell/Elephant/Admiral against each other and they are all part of the same company.
Insured the 172 a couple of months back for £370 with full protected NCB.
Mat.