pretty sure they make it up as they go along, been with them for about 3 years and always been pretty good had my st, the rx8, and 350 with them and always came up cheapest.
if they wernt the cheapest they wernt far off like £50 or so and you can talk them down by that much quite easy, last year i paid £1200 got sent my renewal for £1475 ...... so umm passed on them this year and got it for £870 with elephant, everything all declared.