What Mark didn't say is that he went to OldFartbiker . com
You just need to shop around Andy. I played Carol Nash at their own game when I went to renew my multibike policy this year and add the VRap. They did c0ck it up a lot before the final figure, but at first they wanted to add the VRap on for the tune of £310 on top of the £290 for the combined SVs.
I went on a couple of compare sites and went back with the lowest quote with the same benefits Carol Nash offer with my policy.
Funny, it went from £310 for the year to circa 40 quid. £600 vs £340, for three bikes??? hmmmm I liked the game very much