im insure with HIC... didnt speak with martin but i spoke with a young lady there... im 20, with no NCB, and she told me that usually they wont insure anyone under 21... but she did anyways, and im paying 1495 quid or there abouts haha. car only cost 1600... ahwell, first car that i really enjoy driving, and its by far the best investment i've ever made, in my opinion.