[rcotton]

I think you are seriously over-estimating the level of true competition in the UK Car Insurance Market. (hint; there are almost certainly less actual distinct insurance providers than you think...)

[PHPAdam]

Yer, Just a few: http://www.gocompare.com/insurance-companies/

Their may have the same under-writers who set the same rates for every broker. Its the brokers were the competition is.