Just a bit of info re Linea Directa.  I had a policy with them and thought the premium was a bit high at renewal time.  I asked my bank for a competitive quote which they supplied and I signed up.  Soon after, LD rang me and asked me what I wanted to do and I told them I'd gone with a competitor.  They then offered me the same policy at around 100 euros cheaper.  Moral ?  Get a couple of quotes to find out what's realistic and then tell LD they need to give you a good price.
I have to say that although I agree that LD are an OK insurer, it annoys me that they didn't offer me the cheaper rate at the outset.  Pure profiteering ?