Sorry - got to get on your case for this one
Directline are a Scottish company. They were started by one guy who was bought out by the Royal Bank of SCOTLAND.
I live in Scotland and they are very happy to insure my MINI fully comp for a fantastic £240/year
You are right though about their policies. A lot of younger people can get cheaper quotes from other companies. Directline are cheapest for me every year.
Cheers, Ken.