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Forgot to add i have my Mrs on the policy as a named driver also and she has 3 points and 1 accident and i have 3 points.
Plus certain mods increase the premium more than others, wheels and exhaust don't really up the premium too much but engine mods do imo.
Adrian Flux = Jokers (Steer clear)
But even at £470 that seems alot, i pay similar and i'm 28 7ync on my Ph1 with all mods declared.
Try Tesco mate... (Get a £40 voucher plus when you take out the insurance plus receive Clubcard vouchers thoughout the year too - 4 x the value for certain...