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I was with DL but they kept upping the excess without telling me, so watch out for that. In the end I got so fed up I switched to Norwich Union Direct. Comes to just over 400 quid with breakdown cover, NCB protection and a few other things I've never been bothered to waste the time reading TBH. I also didn't like DL breakdown cover, when my clutch cable snapped outside I pub I went in for a coffee while waiting and they were really funny - guy on the phone accused me of drinking booze = very poor customer service skills. Good luck.