I have my 3.5t insured with NFU - one piece of advise - When I rang for the quote I wanted to add a 22 year old driver and they quoted me an additional £280! I left it at the time but after a month needed to add her for a day to take pony for saddle fitting and they only charged me £30 to add her for the rest of the year! In fact it is now any driver over 22 so was very pleased. I got them to check this price 3 times and it was right so if you are in a similar situation and can hold off it may be well worth waiting