The hughey bloke does seem particularly stupid. It'd also be interesting to see where the car is registered to...
Incidentally, I'm 27 years old, with 6 years NCB and two convictions. I live in a low crime area and have two cars.
The first is my mk3 16v GTI. It's lowered on adjustable coilovers with banded steels on stretchd tyres, uprated headunit, leather interior, black vinyl roof, black grill badge, clear glass fogs/indicators and a Passat lip spoiler, all declared. That's £700 fully comp.
My second cars is my '73 Fastback that has been slammed, but standard other than that. With an agreed value of £3500 and no ncb it's £154 fully comp. Chuffed with that. Haha