Insurance will generally go up slightly each year, once you have reached your cap of discounts (NCD, age etc.), which you have. I would say it's a decent-ish quote, although I still reckon you could get it lower, particularly with your excess being quite high. Try Chris Knott and also Brentacre. I'm with Brentacre and with similar details to you (other than postcode and my age (i'm 29yrs old) and my premium this year was about £260, but with a slightly lower excess of £350. Without meaning to offend you(!), I think your postcode may be partly why your quote isn't as low as it could be.