For me (age 36, 9+ years no claims, licence for 15+ years, prof job, kids, wife (actually cheaper with her on policy!), etc...) i.e pretty safe bet!
Mk5 Golf GTi, Fully comp, protected no claims,
Price £371 (elephant.co.uk)
Using their online quote, I get the following.
0-10% extra BHP £396
11...