One point to note in all this is that some underwriters change their risk profile on a whim. Others have very precise target clients. My Disco is insured with Saga. When I changed the car in November last year, Saga were again best value - but with a different underwriter. The original asked for a 50% uplift to cover the newer car. Eventual result was a 20% uplift which was OK - especially as the value had changed substantially.
