Play one against the other..tell them x quoted £££ then see if they'll better it..it pays to be a slithery bstard with them mate..also play around with the excess and mileage per year and such..one firm quoted me 500 notes last year..i shopped about and found a company tied in to that firm/group quoted me 200 notes less for the same cover. Slimy bstards they are so play em at their own game.