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But you can negotiate your insurance, hotels, etc etc
I don't think you can negotiate insurance you can shop around but not offer to pay what you think it’s worth , again if a hotel room is £100 per night you will be told what to do if you offer them £80 , if I go into Tesco and potatoes are £1 per kg I cannot say I’ll pay you 75 pence per kg , I can go to Lidl and pay less but I cannot negotiate with Tesco saying that there Price is to dear and will they match lidles price , if I want it cheaper I have to go else ware .