Thats odd hey dude, as I said mine was actually cheaper with shannons insured for more, and I could just use the carport, they had no problems with it. Maybe its the car? I would have thought a cef would have been more of a risk. But when all the shannons policy info comes thru read it. Its way better, WAY better.
And as Karren said, one free (as in no excess, no no claim bonus change free) bit of glass every year, cant go past that!