They are £80 more than Direct Line even with the Club Discount. (£280 against £201)
Plus Direct Line has a £150 excess and Adrian Flux is £300 excess.
But l will probably go with Adrian Flux as Direct Line don't do an Agreed Value option.
And Adrian Flux want an extra £40 for that, taking the premium up to £321.
I'd rather have Agreed Value after hearing stories of people being offered half the replacement cost on Defenders after total loss, but l feel ripped off.