£184 pa sounds too cheap to me.
Do a bit bit of digging on the reputation for paying any claims reasonably efficiently, valuations in case of a write off, small print exclusions etc. In my (fairly limited) experience insurance companies will do all they can to avoid claims.
Last year I tried NFU Mutual as they seem to have an outstanding reputation - they were twice as much as my current insurer. Quite simply you get what you pay for.
Damage to other vehicles is less of an issue - the insurance company will deal with it. It really hinges on how concerned you are about any claims you may make.
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