I'm with Elephant insurance for my s3. This is my first car, I have no NCB , never had a policy before. Insured it on my 21st birthday and was £820. Now only problem is I worked for a bodyshop not long ago who are elephants approved repair shop. They have a moto of repair instead of replace. Say your headlight gets a huge scuff, normally just order a new one and be done, they will sand it right down and use special headlight laquer , then polish up. Huge dents would be pulled out and filled instead of replaced, etc etc. For cheapness I would say admiral or elephant but for peice of mind in case of an accident I'd choose a company who you know will sort it 100%. I only chose them as I was not wanting to pay £1400-£1500 from other company's lol.