secret is letting them do you over a barrel for 4 years and paying over the odds. I'm not sure why its so cheap, its just me on the policy, a live in Oxfordshire, parked on the road. Cost £40 more to get the lady on the policy, same age, she's a student though and shes got 3 points. Can you haggle with insurance companies then? I though you just had to swallow what ever they charged you