I found a company with a premium about the same as I was paying last year with key insurance included so I went with it.
I got the paperwork yesterday and wow!, it was a shocker. The actual insurance was only 55% of the total cost. The rest was made up of legal cover and key insurance and policy fees. OK the policy fees are fair enough but I don't want the legal cover and the key insurance is a waste of time for a TA as there are no door locks and I could start the car without a key in minutes.
It's my own fault for not asking the question but I'm not too happy to find that things I thought were included were actually optional extras.
With these uncertain economict times, it's understandable that insurance companies will try to maximise their income, but It's also understandable that customers will want to minimise their expenditure.
It's not a great sum of money, about the price of a tank of fuel, but that's not the point. My advice from this is ask all the questions before you sign up.