I have just moved to Gott & Wynne, having been with Heritage before.

Heritage was faceless, and would not insure any kind of non-normal risk.
They would not insure the the Bromyard Speed festival - a glorified parade.
I paid more for the switch, and will see how it goes. Gott & Wynne will insure me next year fro the Bromyard Speed Festival.

I never tried Headley for a quote, but will keep them in mind for the future.