An elderly relative (86 and in good health) has been quoted a renewal premium of £1562 by Lexus, with whom he has been for some years, for his 2009 Lexus RX450H Hybrid. He drives no more than 5000 miles per year. His Excess is £500, comprising £300 compulsory and £200 voluntary. In August 2017, he had a minor 5mph collision (the other driver claimed against him), following nine claim-free years. His policy is “NCD protected”, but last year his premium rose by 25 per cent to £1142, and this year by a further 33 per cent to £1562. I appreciate his age may go against him and realise that “NCD protected” does not always mean what it appears to say. That said, this appears to me to be a ridiculously high premium and I would be grateful for any suggestions you may be able to offer, in terms of where he might obtain better value for money.