no claims dont make a drip of difference.....its age age age....and age. i was 20 when i insured my '86 1.8 8v with no ncb/convictions/prior accidents and it was £600 tpft including 3rd party cover on other vehicles, thats from bell, ive found adrian flux just to be crap - each time ive called for a quote they've just told me no-one gets insured on anything more than a 1.6 if they are less than 25, not to mention it takes 20 minutes to get through to a sales person - god help you when you need to claim.