Im, 25 y/o (just), 3 years license and 3 years no claims and 0 points.
Live in an average area, street parking, 8000 miles pa, used for commuting.
8v GTI, quoted around £580 fully comp with elephant w/ a £250 excess. Sound fair?
Hmmm, i'm 22 with 3 years no claims and 5 years licence, 0 points. Again live in average area but it's on a drive, 8000 pa and commuting...so pretty similar to you. Got an 8v Gti and im paying £440 a year with bell

Maybe worth a try? Bell and elephant are sister companies so they should price match each other as well.
