If what I was told is true then try at the begining of the month, because they get their quota for the month and then give ridiculous prices so as you dont choose them as they would go bankrupt if too many claims were put in from people, that is also why sometimes it takes ages for the Insurance companies to sort you out as they need to spread the amount of payouts. that is also why you get them trying for 50/50 fault if they have paid out their quota for the month.
or so I am told
