I use Carol Nash, had the renewal and then went to get a new quote from their web site. Managed to knock £50 of the price, not sure how much of it was admin fee as new customers do not pay an admin fee, just glad of the business I guess. And they have the European cover included, which my mate used earlier this year, worth its wait in gold. Hire car for him, and his bike taken back to the UK to a local dealer.