They are the underwriters that my insurer's use. They were the cheapest quote I could get with the benefits and NCD protection I wanted. They did want more security in the garage than others but I think it's worth it.
TP gives the thumbs up
I should also add that I've never had to make a claim so I don't know how this would pan out.
[Edited on 15-8-2005 by TP]