I had this problem last year, but solved it this year. On the price comparison site, they list the standard manual model , and the same but in the Highlander version. Then they list the DCT model, but do not follow up with the DCT highlander model. If you look at each model on the price comparison quote, the premium is always the same. So I chose the quote for the Highlander version, and when you are asked to pay , you are usually put through to the company that wants your money. They go through the quote, and you point out that it is the DCT model which was not listed. They then say they will check with the underwriters : and come back and say that there is no change in the premium. ( well , this is what I did , and it worked.)£ 175 fully comp protected.