im located in a pritty high risk area too
everything was straight on the quote kept in garden etc, i was owner of the car and named driver and i had one other driver on the policy which was my grandma with 40 years driving experience lol
best thing to do is just shop around iv spent weeks so far as my car is off the road but i think i shall be snapping up that with flux when i get the car sorted,
also try your local companies i was insured previously from a small insurance company local to me, exellent to deal with and beat every price i could throw at them