I'll try and make this a little more public without advertising. There is an insurance broker that advertises in the pages of all the main mags, small advert though, who deal with one of the UK's top insurance companies. This insurance company has been persuaded that the journey to the airfield is 10 times more damngerous than the flying itself, and therefore don't load for private pilots. In addition thier premiums are a good price to start with!
At the time the company I WAS with wanted a 150% loading.