I'm 29 and my wife is 30.. we pay £575 with Adrian Flux, fully comp with protected NCB for a Hartge
MCS with 18" alloys, Janspeed exhaust, air filter, Eibach lowered springs, some body detailing.
I told them I was part of a Mini club (Mini2) and wanted a limited mileage policy as my wife uses the car for nursery/work. Elephant wanted £1100!!!!!