Have you tried
www.elephant.co.uk? I used them and have been told by a few people they are one of the cheapest insurers at the moment. I am paying £750 on my
mcs, im only 25 but do have 5 years no claims. Still the
mcs is a few groups higher than the cooper, so it could be worth a try. Quotes online are good, the only drawback is you have to pay it all in one go. Can't pay in installments.
TTFN
James