Hi Dave
I'm just starting out myself and have just had a couple of quotes back, one from Polished who advertise on this site (there are actually Allied) for Public Liablity and Treatment Risk ( a must for claiming against items being worked on) they are quoting me £173.25, they also insure tools and equiptment upto the value of £6,000 (useful if you leave tools in the van overnight) which they are quoting me an extra £115.50.
The other insurance company I have had a quote from is McGregor Lloyd Ltd Tel: 0121 7060 616 who are an associate member of the NCCA, they were quoting me about £170 but they do not offer tool and equipment insurance for tools left in the van.
Hope this helps, best of luck with your new business.