I went with Admiral when I got my 04 Zed when I was 23 in 2006. 3 yrs no claims, clean license £680.
However, move to London, another year older, 4 years no claims and its £900 - with a lowly 6,000 mile limit.
Does include no claims protection and of course the mandatory addition of the girlfriend [saved nearly £300].
Elephant were a joke when they quoted for me!