Well tried several companies and Bell is the cheapest by far!, £240 FC for me (im 34 yrs) and my lady (30 yrs) (who's only been driving 3 months!!!). Thats for a 3.2 DID 2003 worth around £13500-£14000, i have 8 years NCB.
Bell is a sister company of Elephant, diamond and Admiral, if you get a good quote phone the others and ask to beat.