Just my experience but tried Sky tonight, after going though the 10 minute ins and outs they decided they couldn't insure a 30 year old professional couple on a 2000 S4 doing 5k miles a year. We both have an SP30 from 2006 and we had a minor accident last year but 8 years protected no claims. Due to that they couldn't offer a quote because we are high risk.
No problem, called Adrain Flux, gave the same information instantly beat the best compare the market price of Ł810 to Ł760. After pushing him for the best price to get me to buy today, we settled at Ł702.
Job Done. Got to admit I was hoping for around Ł500 this year but with an accident last year I suppose its not bad.