Well I'm in the market place now and somewhat shocked at my quotes. I spoke to AIB about change of vehicle from my 2007 T5 conversion which was £549 s, d & p only (extra £200 for business use) and renewed 25 March. Told them Cali Ocean and 67k and waited - poor girl said she was having a hard time trying to get figures under an extra £500 and that's witout business use (add 200 +) !! I had a quote from CAMC insurance and they came back at £850 but ended up with Comfort at £536 which didn't need tracker and did give me business cover. So even paying cancellation fee I've still potentially saved about £570 over AIB - goodness knows why and I'd been with them 9 years, each year beating others!