^ Only if the car will be living at your mum's house. Lying about where the car is stored is insurance fraud and will leave you open to prosecution.
Elephant are owned by Admiral, so you'll get a similar quote from them (albeit in my experience a little cheaper).
Learner drivers tend to have cheaper policies.Originally Posted by nova_ellen
Excess is what you pay in the event of a claim. Say you claimed for ?750 worth of damage to your car, and the insurance company agreed to pay out - if you had a ?500 excess, you would pay the first ?500 of repairs, the insurance company pays the remaining ?250.Originally Posted by NovaLad16
Excess comes in two forms, voluntary and compulsory. Voluntary is the amount you select to lower your policy, and compulsory is the amount the insurance company dictate you must pay (usually depends on your age/experience). A compulsory excess of ?250 + voluntary excess of ?150 = total excess: ?400.
There's also a link in here somewhere to insurance postcode regions (do a search for it). It'll tell you what risk rating you live in. [edit] Its here
Also; try getting quotes for other cars. Then you can decide whether or not the quotes for Novas are expensive. You may also want to try a quote on a 1.4 Nova, in my experience they've sometimes been cheaper to insure than 1.2's as the claim rate is lower.