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I couldn't run a 182 at 19. So glad I got one at 21.
And as for the 10 month 1 years NCB thing. It's all the same. Insurance certificate comes through post with a year NCB each time. Mates done same on his BMW and now changed insurance companies and had no issues
21 with 2 years NCB, admiral, 119 per month for ten month policy with a years no claims at the end.
It's up in may and I'm going to swap to brentacre or green light. It's the way forward!
Edit: 22 now, but 21 when I got the 182
Personally I think you will struggle at 19