When I first bought a +8 in 2002 I rang Headley, not very impressed with their answering, no one was available, someone will ring you back. They never did so I rang again the next day and the first question (literally the first question) was what is your postcode? They then proceeded to tell me we live in a high crime area (we don't) and the premium would reflect that.....they quoted and it was very expensive. I rang Gott and Wynne who offered the same policy with the same insurance company for nearly £200 less. Being suspicious I got my brother to ring Headley a few days later and also enquire as if he was considering buying the same new +8 but he used the postcode the other side of town where I used to work........same story about it being a high crime area and again a very high (the same in fact) quote. I have been with Gott and Wynne ever since, only had 2 windscreen claims and both were paid up before the credit card statement came in! Superb helpful and friendly people at G&W.