depends what it is and how old it is. classic (over 20 yrs) cost next to nothing. more modern cars can cost anything there is no logic . you can get a discount on the axa premium from the AA. they told me over the phone they did not do cabrios but when i went in there was no problem. Mrs eamonn - over 30 full ncb - dublin escort XR3I 130HP - 750 euro fully comp. that was this year and the best price we ever got on that car in 5 years .
an interesting story here. 3 years ago i tried insuring the above with a limited mileage policy.
Royal Sun alliance had given me a good quote of £300 for a second car policy on a triumph spitfire i have (through first ireland brokers) so i thought i would try them for the wifes escort. first they said we dont insure convertibles. to which i answered - Yes you do . i already have one insured with you and have done for 4 years. she then went away and came back a few minutes later and said they could quote me. the price . £5,000 for 3,000 miles third party.
whats the difference the £300 car is a rusty deathtrap with no brakes however is considered a classic . the other (5k to insure) is an as new low mileage modern car with abs and an airbag.
in the end we insured it with axa as before fully comp - £900