I see the Sax-p insurance police are at large again.
@j_a_lyons, your best bet is to call Admiral, Elephant or Bell direct. They'll help you get the insurance cost down as low as possible, and you can haggle. Also do it towards the end of the month, as the sales team will have targets to meet, so will be more likely to cut you a better deal so they reach those targets.
I recently called up Admiral, and the CSA suggested going fully comp, then whacking up the excess for all drivers, which could make it cheaper than on tpft.
Put your annual mileage as low as realistically possible, then increase it as you get close to the limit. No point paying for mileage you aren't going to use.
Add as many named drivers to the policy as you can - Dad, Mum, Grandparents, Aunties, etc. With their permission of course.
Also go for a 10-month accelerator. That way your premium will only be the cost of 10 months, rather than 12. On a £4k policy, that's a solid £660 saving.
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