Astounding, I never thought that actually driving more miles could potentially make your insurance cheaper. I have heard of including a second driver, but I think that could be hit and miss in bringing the cost down. When I tried that before my cost went up, but I know others have seen a reduction. That £460 does also included national breakdown cover which is £89pa with the RAC. I have to admit in my years of driving I have only ever needed the breakdown service once if my memory serves me correctly, but I know exactly what would happen if I removed this...or maybe i've just been mentally conditioned to believe something would happen if I don't have breakdown cover included.