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 £810 to £760. After pushing him for the best price to get me to buy today, we settled at £702. Job Done. Got to admit I was hoping for around £500 this year but with an accident last year I suppose its not bad.