>> ........... I'd be delighted to know who your insurer is for future use.
>>
It's The Co-operative Insurance. At one time you could calculate the premium yourself from their prospectus by inputting the relevant number of points for each factor in the prospectus and then adding up the total. The premium corresponding to each total number of points was shown in a table. Everything open and above board.
I think they no longer have that system.
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