Mark I have just renewed with youi .my third year now, tried shannons but were nearly 400 more for the premium in comparison , but there excess was cheaper. only issue with my policy and youi is it aint covered for any activity on the beach . only driven on the beach once in 6 years so didn't fret about it. premium 780. excess725. value 22 total. never had to claim so cannot comment on that side of things about them. Was originally with aami but once I fitted the larger exhaust they did not want to know me.