I too was surprised to recive my policy documents afrom haywards after having gone through another broker. Jennings never quoted, despite phoning to chase them up, presumably for the reasons I now see above.
Question: whats best approach next year, will Hayward quote lower if I go direct or am I going to be tied to the broker I went with this year? Who's likely to give competetive quotes to Hayward?
This looks like an ideal topic for some kind of PPrune FAQ!