IMHO insurance companies are in secret price-cartell by you guys
this story was played by us 6-8 years ago too, and then something happened...
in 2005 Allianz and all the "old" internationally known insurance company gav me 180-200GBP price for a year for the PGT
and then to this insurance business newcomer MÁV-ABE company gav me just an 110GBP price for a year for the same car
nowdays the Allianz asking just 62GBP(!!) for a year, and this is not the cheapest...
how they do it?
...and i'm sure, they have profit on the business nowdays too, just less, and old time's extra profit gone for ever away