I'm 29, been driving 12 years, got no points (just!!) and having had 5 prangs in the last year, 3 of which were not my fault, I was getting quotes of £2000 - £5000 with stupid excess costs...
Well thanks to you chaps I have just got a quote from belldirect.co.uk for £1351!! Result! I can now burn my 20 16v around for another 10 months woohoo!!!
I would like to repay the favour by adding my experience with "elephant.co.uk" who insured me last year. After my last prang which damaged the front and back ends they shipped my car off to a company called "Abbey Coachworks in Wembley" (London).
I got my car back with a broken sunroof, re wired electrics (why I do not know and nor do they!), scratches on the paintwork, a bonnet which did not fit correctly, the wrong type of headlights (one brighter than the other), more rattles that a childs toy, they didn't even spray the bumper properly so some primer is still showing on it and they had also snapped the front seat recliner off and left oily fingerprints all over the interior. It has taken me 6 months, lots of phone calls and finally legal action to get this all fixed.... you have been warned!!
