Admiral are like that - the best of the lots when it comes to haggling (or, conversely, the worst at trying it on in the first place
) . I was with them for years when we had 4 or 5 cars in the family, and I only moved away when they starting hiking the premium on the Tesla (which they're not alone in doing...). I think my S8 is still insured with them, but solo, for c.£200.