Hey Jim B. Welcome to the site! I thought you might be from around there or Wales due to the "tidy" comment I trained at Cardiff Uni, so know the area well! Whereabouts are you based in Herefordshire? £600 is not bad at all. I've just renewed mine with Admiral - with breakdown cover the total cost was £945 with 1 year NCB.

Lozzy - how come you're paying so much with 5 years NCB?! Who are you with?!