always a thorny issue, so I though't I'd let everyone know the outcome of my latest wrangling with the lovely people who claim to be 4x4 friendly

fully comp, protected no claims on a 2001 TD5 ES valued at £10k, £200.00 excess

sureterm direct (with a mileage limit of 15k) - £ 391.00

adrian flux (unlimited mileage !) - £ 286.00

That 286 quote sounds about right, its around what i pay with max no claims on a 52 plate gs.
Mark