Well, I was reading top gear mag or autocar one, cant remember which, and it had an article about Your Cover Insurance
http://www.yourcoverinsurance.co.ukNow, this looked really interesting as you can chose the cover that suits you - saving you money. Things like if you dont drive abroad - dont have cover for it. If you dont want breakdown car or cover - dont have it. Dont want to protect your no claims - dont.
But if you choose not to have certain things, you can add then whenever you like during your cover with no administation fees or anything.
Just thought I would post the link up.