I dont know what model you have steve but...
I pay £380 for 3.0 mv6 - 3years ncb.
I pay £240 for 2.5 cd estate - on 0 years ncb.
Both have £200 excess and mv6 with Admiral, the CD is with Elephant.co.uk
Hope this helps ( i think your paying way too much :-/)
£240 with NO no claims??? that's sooo not fair!
I just paid £415 fully comp to Norwich union for my 2.5 elite - 9yrs prot NCD but two claims in last 4 years, £120 xs and enhanced courtesy car (try telling them what use a Ka is when you had an omega! - i upgraded to an Astra on my last claim it cost £120!) Apart from that NU were decent on the claim side. Occasional annoying calls to india tho'!
only mod is exhaust/filter and they didn't like it online, but on the phone said no worries and no extra!
asked for a quote for a second car, so zero no claims, a rover 214 worth £200, 3rd party best price was £450!
guess it's the high risk birmingham having something to do with it.
oh and sticking my partner on reduced premiums by 20% normally