Be interesting to see the level of cover for that.
I could have got it cheaper by covering the car only, but I chose to have 'personal' cover for my wife and self which increased the premium, but Britannia will 'rescue' us in any car - even as passengers!
It's the same with my car insurance, I can get cover for at least £100 - £120 less, but in no way will it offer the same level of cover that I have now, and once I start adding that level to the new insurance quote, the quote invariably ends up over £50 MORE than I am paying now - and that's using the on-line companies like E-Sure, Churchill, More Than etc.
It all adds up really to one phrase. "You get what you pay for" - in my experience, cheap premiums, usually means problems when you have to make a claim (although there are exceptions to the rule).
I have my car insurance through Frizzell's and have done so for the last 25 years, but whenever I have made a claim - my fault or not - I have never had any problems with the settlement (most have been sorted within 3 - 4 weeks) - prior to that, I used various 'cheapies' and changing companies every year - and some of the problems that I had then when I 'made a claim' were horrendous.
Brian G