We too have found going on line the insurance is much cheaper. AA Relay etc wanted to charge 172 for the 2nd year and went on line and got it for 114, phoned them up and they matched it. Same happened with LV for their travel insurance as we are limited to who we can use but still found they wanted 52 more than on line. Again phoned and they let us have it for the lower price.
(away at mo and just realised my mini laptop does not have a 'pound' sign..... that's what you get for buying in Singapore!!....but did save lots)
Chris