I am still with Heritage, just having signed up for my second year of 4/4 insurance.
The renewal quote I had was £234. I called Headley for a comparison, and that was £223. When I called back Heritage to quote, the final runtime quote was £219. The broker spent ages checking to make sure he had not done anything wrong (and potentially done Heritage out of £15). So £219 it is.
So, I am good (for another twelve months).

Too much smoke and mirrors for me.