cheers for the reply's so far.
the 13grand quote was with an experienced driver added with full ncb.lol
i would'nt mind paying about £4000, if they gave you back half if there were no claims made within that year, would be a good insentive, and could also go towards the next years insurance.
i can now see why there are so many young driver's out there with no insurance at all. also alot of his mates have got parent's or family to (front) insure cars in their name with the new driver named on the policy. which is illegal too!