Well--after all the interrogations, explanations, should I or should i not's, what if's, under? over?? around??, and eventually agreeing not to try and short-cut on insurance matters, I'm happy with my fully comp cover with Admiral. (£551)??(about) before monthly payment additions etc,. I'm happy cos I can sleep knowing that though my wheels are not covered,--I and car are covered. To round off the discussion--itr would be interesting to learn what the highest premiums are. It might just be insurance, but to me, the changes over the last 10-15 yrs say much about the way people/society have changed. Also--it's interesting to learn how important and signifcant the lengths gone to, to have what you/people want!--So come on big spenders. Who and why pays more than say--£2000??