We have ours through HBA...changed about 6 motnsh ago when we did a bit of shopping around.....we get 10% discount cos we have health insurance with them and another 10% for doing direct debit monthly... a few other places actually charge a penalty to pay by the month. We also get a lower premium for having nominated drivers and lower again on my car cos we do less than 10,000km a year. All things to look into to get your premium lower....