Thanks for that. I'm with Norwich Union Direct and have got a renewal of Pounds907 which is Pounds90 down on last year (Pounds997 ironically). They do not need a Tracker either, it includes for up to 5,000 business miles and my wife to drive when she needs to, albeit she's never driven it in nearly an year of ownership. No track days though. So I think the cost isn't bad, it's just the extras.