Do I need to stay with my current insurance provider?
You don’t need to no, but this could be the most straightforward option. If you’re happy to stay and the costs are reasonable, your policy will be adjusted for you.
If you feel the changes are unreasonable or you know you can get a much better deal elsewhere, you can cancel your policy and take out a new one.
Remember there are usually cancellation fees that you have to pay and you won’t earn any NCD during that year of insurance, so you’d need to weigh these up against the saving you’d make by switching. Check your policy for details of how much these fees are.