Its Traffords that are quoting it, and to be honest after looking around the price aint bad, they are offering a 400 quid discount from last year due to me getting some dual time, I talked to a friend in the USA who has a 2002 maule with a 235hp he has a gazzilion hours, a bunch of certifications and more jet type ratings than you can shake a stick at and his insurance is about the same as what I (a lowly VFR minimum time duffer) was quoted.
I did not realize that I could chose to insure or not insure the hull, I am of the same opinion that if i crash and die, fixing the plane would be pretty far down my list of things to do upon arriving at the pearly gates and if I survived I figure it could not have been that duffed up that it wont fix.