My daughter was on my policy and they gave her 2 years ncb when she went on her own, ended up with quinn-direct as the cheapest quote. Just had her escort 1.8 gti written off in a car park bump, so she is back with a Mk3 2.0 gti 8v and that is the same insurance cost about £600 tpft and she is 20. The girl dealing with it must be the nicest person I have ever dealt with, she also knows her stuff as well. This is actually her 4th car since she was 17 ( golf driver, honda 16v, escort gti, golf gti ). She has never claimed on any insurance and any bumps have been by other older drivers.