Every time I used to change my car the "cheaper companies" on the comparison sites they used to charge £30 a pop for admin charges. I used to change my cars like my underpants which equates to 2 times a year and used to do my head in.
Im with Direct line and they dont charge admin fees and I bought a 2007 BMW 320d M Sport with 132k on the clock and when I changed it to a 2010 BMW 320d M sport with 20 hp more power and only 100k they sent me a cheque for £32!
Just had my car chipped by Bluefin which puts the BHP upto 275 BHP from 225 BHP it was an extra £36 a year. Bargain!