I have given her MONEY in return for INSURANCE for a full year. I narrowed down my list of about 15 potentials to two: 1) DirectChoice (Equity Red Star) £240 (£300 excess, inc. Legal Cover, inc. CIHAGM, inc. UK ONLY breakdown & recovery) - my existing insurer. 2) Carole Nash (Highways Insurance) £241 (£250 excess, inc. Legal Cover, inc. CIHAGM, inc UK & European breakdown & recovery) Hello Auntie.