I also pay less than a third of that and have done for years. I think that's very very expensive unless you are either very young, drive a superpowered car or just considered a liability :-)
Mine is about £300 pa for a Toyota RAV4. Clean license, 10 years NCB.
If your accident resulted in a claim your premium will be increased but the % taken off will be the same if you had protected NCB. So 500 up to 620 not unreasonable.
mine's £300 based on 2000 miles a year, which is about all I did even before Covid, in a Jazz. I'm old but I haven't had any accidents. But there's a bit of a postcode lottery in these things. £600 might be normal for Belfast.