I've been with Adrian Flux 1 and a bit years (just renewed). I was 29 when I took out my first policy, in an average area for crime, etc. They had no problem beating all other insurers by some margin, and didn't require a tracker. I've found the customer service to be some of the best I've experienced. Very friendly and helpful. They are a broker at the end of the day, so can only offer policies available at the time. My premium went up by around £100 this year due to this. It might be worth calling again in a week or two in case what they can offer has changed. But can't blame you not wanting to if you've been treated poorly. Maybe the Adrian Flux representative will be along to address these issues.