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ok back on topic - Mk2 Ph1 Clio with either the of 1.6 lumps can be had quite cheap now, put some Eibach Prolines on and you'll love it forever! Well i did mine.
Would run new cable anyway as you wont get the best out of them without decent cabling. I used QED micro with really good resaults. get it from hi-fi specialists
and how about those people who have strecthed themselves to buy that car and so wouldnt get approved for further borrowing? Let alone at a low rate. Out of curiosity who is offering loans at 5.6%?
They will ask for MOT certificates to verify mileage and as they are computerised now they can verify it. It makes duck all difference to the premium anyway so better safe than sorry.
Its an old wives tale mate, it does drop, but not loads. I'm 22, 4yrs ncb and my insurance on a 172 is still gonna be £800. Its NCB that makes the difference because with out it that quote was £2000