I'm currently with Elephant for my standard Mk3 8v GTI, my premium is just over £450 fully comp with 4 years NCB, and NCB protection included (I quoted the car as not having an immobilizer, as I wasn't sure. The dealer I bought it from said it didn't have one, but Parkers Guide quotes all GTI's from '94 onwards as having one as standard

. Can anyone shed any light on this?).
I thought that was quite good as most of the others I tried were quoting £600 or more, or wouldn't quote at all without an immobilizer fitted.
T1 VDUB I have to agree, being over 25 with a few years NCB can make a big difference

The only thing I will say as a minus to Elephant is, that to get the premium at the price quoted you have to pay it all in one lump sum

otherwise they add about 20% to your premium for paying in installments.
Still, worth a try if you can pay it all in one go

.
Phil