Ive just renewed my car insurance, ive got 2009 S3 S-tronic, im a 24 yo male with 6 years driving experience 6 years no claims, no convictions, no fault/non fault crashes, living in a C area postcode. I called up a number of the specialist insurers including sky/greenlight etc and not one of them could get close to the prices i was being given by the generic comparison companies. the best quote i had was a reasonable Â£900 with legal protection and a Â£600ish excess. I actually ended up getting a policy for less than half of that from one of the generic insurers, this was also with each and every optional extra listed on my S3 declared to make doubley sure i was covered 100% To add the legal protection on would have cost me another Â£30 and the excess is the same at Â£600. My question is, why are the specialist insurance companies being outdone hugely by generic comparison style quotes, and why cant you even get close to these prices based on the fact that you want to take over the performance/modified market?