Ok, stupid question but is the figures you guys giving per year or per month? Cause my insurance here in SA is R600 a month, so that is about £50 a month (£600 a year) plus I have a excess buster(means I don't pay anything in when I do a claim) and a no-claim bonus buster (Don't loose my no-claim bonus when I do claim) so my payments don't go up when I do claim.