I was once told in relation to my old suzuki that I would not get theft cover if I lived in Newcastle unless I fitted an approved alarm and immobiliser yet in my post code (PH1) fully comp. parked on the patio with no anchor was quite reasonable with Bennets
Just to state the obvious you will get approx a 10% discount by obtaining the quote and paying on line.
Just did mine with BMW and the difference between online at £147.80 and phone at £161.45 makes it worthwhile. Oh and my renewal with Bennetts would have been £209.74 and the excess is lower with BMW and they also include dealer fit options as standard cover. Aged 56, no claims or convictions and 5 years NCD and SG8 postcode, also includes full business use and legal cover.