Someone mentioned somewhere top cash back,thank you.
I got a better quote even if I dont get the cash back (not sure how it works)
AVIVA was £500 with £250 total excess, legal protection was free the first year ,other stuff like a hire car was included etc.etc.
Its online only, but as no one answers the phone anymore it maybe less stress.
It said cashback was £45,if I get it then I will have paid about £200 less than most quotes.
I also tried the excess ins. thanks for the tip,but it didnt work for me this time.
Clever ploys insurance companys use.
You see a low,low quote but nothing is covered you add the essential bits you need and the low quote is now the highest quote.