Ed Chilada  gurgled happily, sounding much like they
were saying:

> I recall having the same discussion some months back.

I'm sure.

> My overwhelming experience with online quoters is that they 

are all shit.

> Personally, if I added an SP30 to my insurance and the premium didn't go
> up, I'd want to know why I'd been paying the same in the previous months
> when I didn't have an SP30.

Probably because the insurers know it presents no additional actuarial 
risk.