I always insured with NFU because I liked having a real person in an office in town to talk to, one who knew my business and came out to the yard every year to chat through what I needed.
We have ours through the CLA who I believe use KBIS? Our premium is usually around £1100-1500 pa. We have 20 DIY liveries and out public liabity is up to 10 million 😠we have paid £2000 in the past 🤨