Ok so I looked into getting my Golf GTI 1.8T remapped and I currently pay about £850 PA for insurance for October to December the 21st my insurance company Elephant wanted an extra £212 and the best quote I could get with HIC for next year was £2009 surely that is too high, yes I am only 21 but I have 3 years NCB and like I say my current 2 years NCB policy is only £850 so surely next year with 3 years NCB and the chip it should only be around £1000?