Grandad here , living on the edge of Greater London with no garage pays just over £300 with protected NCB, legal and mods cover, to Admiral. I find it quite odd (in a funny sort of way) that road tax is now way in excess of the insurance premiums although when I told the customer services agent I had made no claims in over 40 years of driving (other than windscreen replacement) I think she fell off her chair. God knows how much I have paid car insurance companies over the years