Go compare are payed by insurance companies to advertise im with likewise who are brokers that insured me with someone alse but deal with all my problems. If you don't worry about it being stolen (always being safe and don't worry about fire only 12 volts) Go 3rd party I've never heard of any one getting a full payment back of them anyway with time and cost off making clams of losses but you do get a few perks with some not outhers some charge you a full year even if you cancel half way through just read small print I got charged double by paying monthly good luck.