St Margarets Insurance

Just got a quote from St.Margarets for my Oceanis 381 to which I have added lots of kit.  They were the lowest quote (just) even before taking off the 12.5% BOA discount and expected to insure for purchase price plus cost of equipment added i.e. replacement cost.  With the discount, this is almost £100 less than current insurer AXA.  Pantaenius would only insure for "market value" and were of course the most expensive.