Lol - sounds pricey, I pay £380 fully comp (3 yrs NCB) and I'm only 23 on a Golf MK2 GTi 8v with all mods declared (suspension/tints/exhaust).
Exactly my point, i was paying no more than £300 for my Mk2's years ago, my Volvo's cost me only £200 when i was in me early 20's
Still i spoke to HIC and they have told me to come back when i have my best quote, so far I am looking at £280 fully comp with all the whistles