Am a bit surprised by some of your premiums...

We have a 4 bay workshop, a separate sales site with space for up to 20 cars and a stock value up to £Xk, another smaller building/workshop and 5 employees. We offer loan cars and unaccompanied sales test drives. We are covered for work interruption on a reasonable turnover.

We pay less than £XXX/month for our AXA premium all in, including plant inspections and a X% finance charge on the direct debit (which of course they can authorise if they so choose).

Having said all this I can say that I probably spend an entire working week per year sorting it out and am currently paying the same premium as I paid 8 years ago. It is probably the single most productive week I have per year considering what I save.

We renewed on the 1st January with AXA. The past couple of years we have been with AXA direct but this year went with Aston Scott brokers (who are nationwide) who quoted us a cheaper AXA premium. At the moment AXA direct and other AXA brokers are trying to undercut each other so it could be a good time to try to get a quote with them. I've find AXA to be a top notch company, although we were with Commercial Union/CGU/Norwich Union/Aviva for twenty odd years and they were pretty good too.

NOTE: I have edited this as I didn't realise it was a public forum! Email me if you want details!