Your analysis cost wise of the car insurance brokers etc was satisfactory. However the broker / insurance co. after an insurance certificate had been sent to me unknown to me cancelled my insurance . This only came to light when the MIB licensing agency stated a few months late that I did not have insurance cover !! When approached the insurance broker/ co stated they had requested further information by e mail to myself and my wife. ( never received) Since I had not replied they cancelled the insurance after a couple of weeks without informing me and keeping the years premium . When approached they offered a partial refund. On stating I was taking legal advice on potential fraud this was increased by £40 On advice of a family member ( a solicitor } I accepted this . I then used GO compare to find another insurance company who have taken my years subscription but I am awaiting documentation. Owen Davies