Im 30 mate and pay £1150 fully comp ( all mods and speeding tickets declared) but they class me as high risk because im a trader, also gave me 0 yrs ncb because i have been on trade insurance. So effectivaly i have started a new policy with 0yrs ncb but i drive approx 150,000 miles a year and never had a claim, Its hard to work out a quotation for you when they all seeem to charge different rates