I don't understand it either. I have a Volvo which cost me £195 this year, and less than £300 for the Celsior. I keep reading about huge increases but it never seems to be that bad, yet someone like Vlad gets hammered. I guess the car value comes into it though, as does location and a person's age. My Volvo cover increase this year was just £11, which unlike you Mike means we went to bed with empty bellies!😢