Insurance was up for renewal this month so I started shopping around. 29 years old, 9 years no claims protected. 3 expired points and one accident last year.
Cheapest quote I could find fully comp was about £580, I can't rememebr the name of the company. Did another search and got a quote of £472 TPFT. I figured I'd go for that as the mk4 isn't worth much any more and I don't want to go wasting money on insurance.
Got my renewal notice through from Elephant. I wasn't expecting much as it came to £680 the year before.
£460 fully comp! Result! Didn't even need to bother haggling, they were the cheapest by a long short fully comp. £200 decrease with nothing changing other than me being a year older is brilliant

Might be worth people giving them a try.