Just got renewal quote through from tescos...

Last year £403 fully comp £550 excess UNPROTECTED (yeah I took a big gamble)

Renewal quote £637.56 fully comp £550 excess PROTECTED (not feeling so brave this year)

Online quote from Directline £442.05 FC £250 excess PROTECTED...Now I can live with that \:D

Now must check the cashback sites and see I can get another few % off in the form of cashback