Have you considered going to a broker rather than a direct insurer?
Direct insurers (Outsurance, Naked etc.) are legally prevented from giving insurance advice. They are only able to promote their own offerings. A broker can advise you properly and make adjustments to your cover at any time.
The common misconception is that brokers cost more than direct, but my experience has been the opposite. They know all the ways to get you the best value for money...
