well i'm 26 with full ncd and its guaranteed (i.e i'll never lose my bonus no matter how many claims).
i'm with LV but then i work for them so i get a discount!!
they're not too bad. my girlfriend has a BMW 316i compact, shes 25 with full ncd and our cars cost ?760 total.
i asked because my old 306 xsi was a lot quicker but was ?50 a year cheaper - that'll be vw parts prices for you then!