Thanks for all the feedback, it certainly helps to have opinions based on both price and previous experience. I guess I am lucky that I have never had to make a claim so have not actually had to deal with an insurance company.

So, look around, compare prices, consider bundling if price is right, read fine print and look for a company with a good service record. Sounds possible!

I had not considered the option of choosing your own repairer: thanks Naenae.