Just to agree with other comments, definitely go with A-Plan at Carterton, Tel: 01933 841841 and speak with Lucy. (I don't work for them!) She knows what she is talking about and is very helpful. I've just renewed mine and thought I'd phone round (to keep A-Plan keen) and got various knock backs from other brokers , even ones using the current underwriter(A-Plan have specials deals apparently). They use Equity Red Star but I don't think they insure under 25's, so it may be Royal Sun Alliance they use, more expensive but you are still fully covered.