Neil, I was with pd with my last car, dare i say Nova 1.4 sr (there i said it, no comments please!!) They were all fine and dandy before the payments but after that i personally felt that their after care wasnt great. Yeah i had a cheap policy, but customer care reflected it.
When i got my Clio 16v had a fairly good quote from them, but they got all touchy about modifications and started being a bit sh*tty.
Tried a place given to me by a friend and they were absolutely brilliant and still are, even tho i have paid all of the policy off, they are still interested in helping me when i need it. They are called DNA insurance tel:0870 787 2363.
I am insured TPFT and it cost me (i think) about £280, i was 24 at time with 5 years NCB, N reg, after market alloy wheels, hope you will give them a try.
Good luck with it, i know its something that i dread doin every year, seems like they wana know which hand you wipe your arse with sometimes!!
RSSHAWNS BIRD