I have had a boring evening but @Kevmoz is on the money. I have got companies that will insure the RS3 without blinking and not the X5, and vice versa. If I separate the two I can nearly halve Admirals renewal. I think it's in the place where you have to be phoning and speaking to people, websites are too mechanical. I have a couple of people to call tomorrow and will follow up on the Audi insurance tip fron @Kevmoz I wouldn't be worried about 10-20%, but 50% disgusts me out of principle,The least ridiculous quote I got was from Aviva Online via a comparison site, apparently I was told it was vehicle specific as the risk on RS3s had gone up in recent months - not sure if that was local to me or in general or how they do it.