I've just renewed mine today at £196, £88 lower than last year due to the drop out of a claim in March 2009 (I reversed into another car on my own drive, despite having reversing sensors!) This is with Aegis, through RIAS. Comprehensive, 2 drivers, no legal expenses, no courtesy car, aged 70, 10,000 miles p.a. £200 excess. It is garaged at night, but the main favourable factor is location in rural Suffolk.