For years now it's averaged £250 or so fully comp on the Focus when living in Bucks but dropped to £175 last year with Swiftcover, which I thought was very cheap, when I moved to rural Aberdeenshire although I did drop the cover to 3rd party F&F from fully comp as the car isn't really worth much now. It didn't save me a lot over fully comp though. The renewal came in recently at about the same price of £175 and I was tempted to just let it renew automatically on my credit card but decided to have a quick look online first.
What I came up with was £93 with Saga Insurance fully comp WITH protected no claims bonus! Fuck's sake. That's pennies. The protected no claims cost nothing extra too as I found out when I phoned them to work through the details. It was thrown in for free.
Damn. I wish I'd shopped around last year too but couldn't be arsed. Getting old has its advantages it seems. The last time insurance cost me less than £100 per year was when I was a kid in the 1970s with a moped.
My road tax is now the biggest single motoring expense barring petrol costs. Repairs and tyres cost f*ck all anyway as The Gary does all of that for me and now the car insurance is less than half the annual road tax cost.
Sweet!
Pity those poor teenagers who get screwed £1000 or more a year for insuring a VW Polo.