Bell and Elephant are both under written by Admiral. Go direct to Amiral and u will save a few more pounds! I am paying £750 fully comp with Admiral. Age 31, Central London, 8 years no claims, car on the street and business and pleasure, IF you make a one off payment. Otherwise the premium goes up to £1050 if paid monthly to them! Had a big chat with regards to this with Admiral and they could not come up with a good reason for such a big % increase if you pay monthly other than "they take a risk if you pay monthly" smile.gif + you have to pay a deposit of £200 anyway. This is the case with many companies so be aware. If you have to you can pay it off on a credit card and the APR will still be cheaper. Once they take a deposit u only look at the monthly payment hence think you premium is the monthly payment X 12. Thinking of writing to Watch Dog on this one. I hope this helps others.