So, based on that ratio, my just in renewal with Hastings at £123 should come down to about 40 quid with Lexham!

(Mine's a TE Alpine).
Edited to add :
Hmm, well, I ran a quote and it's £176 with huge excess (over a grand versus Hastings £0 voluntary, £250 compulsory) and not such good comprehensive cover. Horses for courses I guess, but Hastings are quite a lot better for me.