My experience when looking at the "not on price comparison sites" providers has been much the same - fill out the whole form and then get the quote and wish you hadn't wasted your time!
I'm with Brentacre. Might be worth giving them a call? Have to get a quote over the phone but they have always been a pleasure to deal with, quick to answer the phone, are very mod friendly (only charge extra for power increases over a certain limit, and will cover modifications as well, like-for-like) and their renewal price has gone down each year which is a nice change compared to the usual suspects!!
No affiliation, just happy with the cover and service