RE: experience swapping car insurance?
more complicated than you may think m8
if you call your insurer they can swop you over. prob a Â£10-Â£25 admin charge. you may get a refund if the new car is lower insurance risk (although if its worth more this may balance out). if new car is wrth more + higher insurance group you may owe them money. obviously the longer you have until your policy runs out the more its gonna cost you.
you could start again and find the cheapest new insurer. HOWEVER, you will have lost x months NCB as your prev insurer will obviously cancel your policy (again you will get a rebate here, prob less admin fees!)
basically it all depends on how much NCB you have, how old you are, how long until your policy runs out.
EG 1 Your 20 with 1 yr NCB. Paying Â£700 on prev car, they want another Â£30 to cover you for the next 2 months until your policy ends. Worth staying with them? probably (or you loose 10 months NCB)
eg 2 Your 28 with 4 yrs NCB (so 1 extra year wont make much difference to your premium anyway, IME age counts up until 25-30, NCB makes the biggest difference in 1st 3 yrs