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That's so unfair, Admiral were about £8-900 for me when I last checked, and I'm 25, have 6 years NCB and I'm a girl!! I think I'm going to move to Scotland!
I've got mine on limited mileage, I think I told them 6k a year. I use it as a daily commute to work but that's only a few miles away so I don't really do an awful lot of miles in it for commuting, just pleasure :) But I doubt I'll use it as much over winter, which will keep it down.