Go direct with reputable companies, my wife's lupo is her first car, she is 26, no Ncb, engine conversion (doubled horsepower) updated brakes, coilovers alloys and agreed insurance value, £670 a year I'm on as a named driver an I added £26 to the policy with my 4 years Ncb, go figure her insurance is £32 cheaper than mine! It makes no sense at all, trying to get my 17 year old brother a quote less than £1700 on a 1300 mk2 at the moment but go direct to companies like sky, HIc, admiral and such always bestest!! Good luck, that seems to be working for us anyhow