Re: Aaaargh Insurance Sucks !
If you deal direct with insurers you MAY get a cheaper quote, but only if you fit the risk profile the insurers specify for themselves, and you are normally only dealing with call centre fodder, so you are never speaking to anyone with any knowledge or discretion so you can be hitting your head against a brick wall to get any sense.
Then there are the brokers. If you get a good one they usually talk more sense, but you may have to pay a bit more.
Generally the bigger traditional companies that charge more behave better, but not always.