I got a recent quote from Admiral for a multicar policy, as in October my parents are letting their motor trade policy go, and their response when my girlfriend phoned up to get a policy was that they don't even take into account bullbars and winch bumpers have little effect?? Didn't seem to be overly expensive for me to insure a 2003 110 TD5 aged 29 with 0 years NCB (named driver on a traders policy for the last 11 years) at about £650pa but then I'm comparing it to a policy which costs about £1800pa for my dad, mum and myself.
I did think that £575 was a little high for one but when you consider that the likes of Paddocks etc sell a Heavy Duty Tapered End non winch bumper at £140 new it doesn't seem quite so bad.