I've had both too. The only time they've been half decent has been for my 'at fault'- which theyve tarred me with because of the pothole drama. I'm at fault for a hole in the road... Ok...
I pay 3k p/yr comprehensive, I'm 22, and my excess is 2-2.5 k...
But most of all when I've had to deal with them they've treated me like crap.