I live in a rural area, I'm over 50 and I drive a 5 seat Kombi, with Direct Line I pay £324 fully comp.
Last year they paid out when a stone smashed the windscreen of my Freelander 2, that cost them over £1,000 and they didn't quibble, I just paid the small excess, from memory I think about £80. I did get a quote from NFU but it was lots more.