As only you know what you wish to cover then the best answer is to either do online quotes from those that offer, and call those that do not. You have no obligation to accept any of them, although you may get a few calls 'begging' you to 'give us a go'. If you are over 50 then include Saga. However, I still feel that a reasonable amount of good cover will have a reasonable premium, and most brokers are using the same Companies, so often the diffeence is relatively small. You do not get 'owt for nowt' as they say, and even bargains may only last the 1st year.