no offense dude but dont trust any insurance company. Make sure you get that clause IN WRITING. If they wont do that, get someone to listen on a second line as a witness and document the phone call. hell even tape it. having said that they do look very promising and are great to chat to and seem quite honest (from an insurance co?!?! wtf). and the trick is, when they give u a premium, say "just cars quoted me X will u match it" where X is a value less than what they quoted you and they will match it. i had a good chat with robyn she seems like she knows her fair shair which is refreshing from an insurance co to say the least. now all i hope for is some sort of price war between a rival company! it will never happen though hehe