Yes there is no such thing as loyalty to customers these days. I do though make the call and have found it always pays off. Also look at the hidden charges for monthly payments too and certainly in my case I'm definitely saving money.
I had a big barney with the police in 2013 in the van and was accused of using my phone, I had no phone with me as I forgot it that day, even when I went into work I had told the gaffer and all I did was call in from the places I'd been at when finishing a job. I got pulled for using a phone. I told them in no uncertain way I had no phone, even told them to search the van and call my boss. It got heated and I was told to shut up or get arrested. I engaged the advice of my lawyer but was told to pay up and take the points, fortunately the boss paid the fine as he knew I was telling the truth.
Direct line then slapped on an extra £100 excess. This though is across the board, better to tell the truth and not void your insurance.