£377 was for 5 years. My bad. 4 years cover is a lot cheaper than 5 years cover!
You sure? I've just checked and based on £37,275 5yr cover and £30k claim limit I get ALA quoting £448... gapinsurance.co.uk quoting £367 (unlimited claim limit) - both prior to discount. Though yes, you're right. 4 years cover is quite a saving over 5 years. I tried shortfall.co.uk but they don't quote for 5yrs.