been with hic for nearly 4 years now never really had a problem with them every time i found a cheaper quote they have beat it might been only a few quid but it all ads up lol and i spoke to martin last time i phoned top bloke very helpfull i pay under £200 on a p reg mk3 gti 8v im only 26 with 3yncb which i dont think is bad at all nice 1 hic