I am so glad to be old!!
Fully comp, protected no claims, ?400 excess, and I have 6 points for speeding, and they still only billed me ?249!!
Amazingly when I reduced the excess from ?600 to ?400 the premium dropped from ?295 to ?249..... So i bit their hand off before they realised their mistake.
Incidently - LLoyds quoted me ?1100!