As promised here's my summary of quotes for our rib, listed to the left. The quote are fairly straight forward, no tubes/toys or skiing, and based on £10k, and does include legal assistance (£10 to £12)
Last place Euromarine -- Euromarine whooriginally quoted £240, but when
I phoned to query it, they dropped it to £191.
Second Place -- Navigator and General (Zurich) my current insurers
£175, they do not however operate a no claims
The winner -- Porthcawl at £133, including a 10% no claims bonus.
I'm still looking through their T&Cs but it looks good so far and they were helpfull on the phone.