I hope you chaps don't mind me bombarding you with questions but this is just a quickie - when it comes to Insurance, do you particularly go for specialist Insurance? I've been given fantastic quotes by Axa and Hastings Direct both fairly well known insurers, is it worth spending an afternoon ringing round specialists? I'm not sure they will beat these two quotes and for the sake of the odd £20 I may save, I don't think I can really be bothered unless there are major benefits to be had.