Credit it where it's due and many thanks to you guys for heads up. Additional to martinkettering for Heritage tip.
On the plus side, all mods declared, no probs with greenlaning and pay and play for £138 p.a. fully comp and 3,000 miles p.a. Please note, this is for a 'weekend' toy insurance, as advised by martin, you do have to have a daily runner main insurance policy running in tandem but not linked.
Additional cheapest option recovery for £35 so took a punt with that as well.
Haven't heard from, and to be fair, haven't chased Keith Michaels yet but will do just to get the comparison price
Weird old world insurance, underwriter via Heritage is KGM. Exactly the same company aligned to Frank Pickles. Last premium made to Frank Pickles in 2014 was £168 third party fire and theft. Getting fully comp via Heritage with £30 reduction. As an additional side note, Heritage have got new products with underwriters whereby you can negotiate the 'car value' PLUS mods figure should to worse happen. Didn't persue that option because I was falling off my chair with the £138.
Now for the downer on Sureterm. Rang them up to cancel the policy and done the arguing bit. OK to be fair, the plan was to use them as a stop gap because of the MID letter. On Saturday, it was a £20 cancellation fee plus the daily usage. They managed another £25 saying the underwriter also wanted a cancellation fee. Of it was in the small print but it wasn't what was verbally stated, even with the request for them to investigate from the recording. Waste of time arguing but I suppose no difference from what would be expected from an insurance company giving money back. My own conclution was I'm still in pocket with the cancellation. Also I would need to be sure of my facts, but I believe Sureterm had/have links with Markerstudy, and it can be reported how a person high up at Markerstudy had no regards for other elements with developments that his company had been involved with locally.