scotland has cheaper insurance apprenly, i have yet to see evidence of this however, it must just be becaus emy postcode is considered the Ghetto.
but there are lots to consider, named drivers, location where its kept, your job, and how many miles you do. then there are the obvious mods to consider. Also even if you have a crash 5years ago and but have 4 ncb, its still more expensive than someone who never had the crash.
i'm currently 21 with 1 years NCB and on a 197 i'm being quoted about £1100, on a 172- £1200, a 182 £1300, and on a trophy about £1600. but i refuse to pay over a grand for insurance now.