Thank you for this very useful thread. I do have one question though - in the first post Heather writes that "basic insurance is identical regardless of which company you purchase from" - what I don't understand is how insurance companies can charge such different prices if the services they provide are really identical. If the services are really identical, why doesn't everyone just go to the cheapest insurer? Do some companies offer anything `on top' of the insurance services that they have to cover in their basic insurance policies? I'm just wondering whether it's really worth comparing the terms of various insurers for a basic coverage? Any insight would be greatly appreciated!