They are a law unto themselves. They can charge you whatever they like and there is no one to say that's a rip off other than by trawling around the internet to find a better price. If I can beat it I will never go back to the ins co I am with to see if they can beat that for as far I am concerned they had their chance and they were only interested in fleecing as much money as they could. Motor Insurance = legalised theft.
I have always said where motoring is concerned if its a requirement by law that you should have something like road tax or insurance then it should be supplied by the government. If it is to be supplied by private companies like the MOT then it should be overseen closely by the government. End of rant, back to the pool and a long cool drink in the beautiful Spanish sunshine.