being a newbie i dont know if this is already known but when came to pay for my insurance i was told that if i was a member of a recognised union i was entitled to a discount.As i was i got £85 knocked off,about 7% So worth noting as i wasn't told of this when i was just asking for quotes on thier own.

If you go to Frizzell's site they are the union part of the L+V, they have a drop down menu for the different affiliations, I am insured with them through Unison, and by the way they were actually cheaper than L+V