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How are you getting these quotes? Via internet comparison sites? Are you entering 0 years NCB? The reason I ask is that price comparison sites dont pick up 'named driver NCB' .... you need to speak to a company who can take your claim free driving experience into consideration.
My company are worth a call, tel: 0208 3645500
To be fair, what other people pay isn't particularly helpful as quotes are tailored to the individual risk presented.
They work for us though, we have some of the best stats in the business which means we can be very competitive for those who meet our criteria. Not ideal for all, but absolutely brilliant for some and good for the majority!
Ollie
Sky Insurance
Out of interest, what is the postcode? Some people think they live in low risk areas, when they live in high risk areas.. eg I had a guy the other day from Bradford (city centre) who was adamant it was a good area, our stats show otherwise.
Just add the car for the last month of your policy surely? If you end the policy early you will not get the extra year's NCB
If you wish to shop around (you'll probably see a rise in your renewal price) then please give my company a try, tel: 0208 3645500
thanks