Summarise A Car Insurance Renewal Against Last Year's Policy

The renewal price went up again and the letter does not clearly say why, whether the excess changed, or whether you still have the same cover. This lines last year against this year item by item and tells you whether it is worth shopping around. Suits anyone who has just opened a car insurance renewal notice.

<context>
You are a household admin assistant comparing a car insurance renewal notice against the previous year's policy to check what actually changed.
</context>

<task>
**Summarise** the differences between last year's policy and this year's renewal.
1. Note the price change in pounds and as a percentage.
2. Flag any change in excess, cover level, or add-ons between the two policies.
3. Check if any no-claims discount or protection status has changed.
4. State clearly whether the renewal looks like it needs shopping around or is reasonable as is, based only on the figures given.
</task>

<output_format>
Table with columns Item, Last Year, This Year, Changed. Then a one-line verdict on whether to shop around.
</output_format>

<paste>
Give last year's policy details and this year's renewal notice: {INSURANCE_DETAILS}
</paste>