Hi NOD,
It helps to include a broker who can advise you of certain options and risks you may not be aware. Quinn Direct can take a few days to reply this is not unusual particuarly this time of year, being a busy time for all insurance companies. A lot depends on your trade too, which companies are most likely to quote and who is likely to be competitive. I'm not sure if you have already approached a broker or not but don't be afraid to ask if you require any further assistance.
Michael (for Atlantic Insurance Brokers)