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I recomend HIC as well, only charge for power affecting mods, and then it is fairly reasonable.
As with most companies, try adding your Mum to the Policy, it might bring it down (it did mine).
The only problem with them, is that it can sometimes take ages to get through to them, but bare with them. I imagine tommorrow will be,
All the staff are on commission as well, so always do their best to try and get you a good deal, well have with me anyway. To the point where I phoned up to accept my last quote, and he added a driver, increased the milage and brought the price down £100. Good lad. Just gonna ask to speak to him next renewal.
Oh yeah, and say youre a cliosport member, and that is another discount.