its a bit of a minefield, what you need is a minimum of 3rd party road risks, you can put limits on it like max value of cars drivin etc, mine when i was valeting was £350 a year but i had to be covered to a maximum value of £100k as i was dealing with new jags and porsches, it also included 2.5 million public liabilty insurance. best bet is to shop around mate, sorry i can't help more but good luck.