...premium was less at £40,000 than the quote was at £20,000! so i got it out at £40,000. this works out at £18.12p per month for my insurance and my contents are only working up to £700 at the most . have i donethe wrong thing are there personal inner city insurers that would cover a smaller amount of money? am i paying to much? have i messed up my insurance. please give me info and websites, telephone numbers of cheaper insures.