I can see where Ricey is coming from and I agree, but unfortunately or maybe fortunately, most of us will never have to eat the burger to find out if we get a spout of VD or not.
Currently I'm with Admiral and I'm pretty happy, just because they provide the best price to allow me to drive on the road legally. Now a point will arrive with my car that Admiral will say no, due to the amount of modifications and I'll have to go on the long annoying hunt for a specialist insurer who will quote for Northern Ireland and not ass rape me at the same time.
So of course I will go for the best/cheapest fully comp offer with the various add ons I may require and I'll be happy. But if either this year or in a year somewhere down the line something happens to the car and an insurance claim has to be made, only then will I really see what mettle either Admiral or another insurer is made of.
You'll notice that I said I'm "pretty happy" with Admiral, as apposed to "happy". Well, thats because they don't actually insure your modifications. If I spashed out £3k on a set of Volks, declared them to Admiral, paid the extra premium and they got stolen, I wouldn't get jack squat except a set of OEM 18's to roll on, because thats what the car has as standard. It's crap, but thats how they work and how they provide low quotes. However if I went with a more specialised insurer, the quote would be higher that Admiral, but if the worst happened to my Volks, i'd get a new set, simples!
So I agree with Ricey that shouting from the roof tops about a cheap insurance quote doesn't really mean much and is kind of like having an appreciation thread based on a 99p cheeseburger with not much content, compared to a £9.50 double decked 12oz fillet burger with cheese, jalapeños and salsa.
But, as I said before, hopefully none of us get to find out how much mettle our insurance policies/underwriters have, but drive safely in the knowledge that if something does happen, they have our back, after all, thats what we're paying for.