I just had my renewal notice come through from Privilege. I've been with them for 8 years, but only got the Discovery (1997 300 tdi) in August. They wanted £310 for comprehensive with protected no claims and £300 excess, (£150 voluntary and £150 compulsory). I searched for something cheaper on compare the market.com and the RAC came up as my best option. £205, comprehensive with protected no claims, free legal cover and courtesy car, £100 excess (£0 voluntary and £100 compulsory), windscreen cover, etc. I thought that was a great deal.