my downfall was had two claims in two years, one not my fault and resolved, the other unresolved having been hit by a London bus is not (no surprise), linked to business use and 25k a year my a3 cost me £720 last year, parked on drive, not a great postcode, shopping around has bought no great deals, however, current company have come in at £520 which £200 quid less in a year (the scirccoco is a higher group), they do a 10 month policy which gives you a years no claims bonus and means my renewal date is no longer new years eve