Sorry to hear of all your insurance downfalls, but i have allways believed, you get what you pay for.
I have been quoted less than £200 for my

, all the way up to £1100.
Under £200 sounded great but have never heard of the company (got it on a net search)
So i went half way with a well known company. My wife was rear ended and the driver did a runner (uninsured obviously).
My insurance was great. A courtesy car, no loss to NCB, and we were given £2000 compensation from the 'Motor Vehicle Bureau' for whiplash injuries, which i would never have thought about until the insurance sorted it.
So. The cheapest is not allways the best bet.You don't know whats around the corner.