Well turns out my premium is actually lower this year
Asked why that was, because I was expecting a higher premium because of Covid etc.
They said that because I'd had my policy with the insurer for a few years now, hadn't changed cars etc, then that's possibly the reason. Car was bought brand new, and is now six years old, so don't know if that could be a factor.
In fact I'm now wondering if Covid may be a downward factor as regards premiums - doubt if their income from premiums is down much, despite the odd cancelation and non-renewal. But presumably there have been a lot less *claims* during lockdown?
So maybe that could be a factor.
Anyway, a lot of it is obviously down to individual circumstances, so no one should assume from my lower premium that they'll be the same.