I guess that the insurance companies operate on the same principle as the utilities providers; dangle the carrot of a low introductory rate, possibly making barely any profit in the first year, and rely on the customers' inertia and general "can't be arsed" attitude towards shopping around for a better deal come renewal time, and they get their profit back on inflated premiums and rates in subsequent years. They must hate the comparison sites and organisations like Money Saving Expert who make the consumer's life easier when it comes to chopping and changing. If you can't be bothered to look around after the great introductory deal, don't complain that renewal is costlier...
