it gets better, I got my renewal quote from NU and witout any shopping around just phoned them and said they were too expensive, so they knocked £80 off, so I said it was still too expensive and they took another £20 off, so on we went till they said they coudn't reduce it anymore. Apparently they now say they issue the lowest quote possible first time........... which is obviously true from the experiences above
still at least they pay out unlike Direct Line home insurance, check your exclusions boys.....b45st4rds!!