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im 21 driving 4 years, 4 years ncb (according to directlines named drivers ncd, tho i have 2 normally), clean record. living in s**t postcode paying 1000 with direct line for 172 FF.. Very high in my opinion.
I'm an old fart(32) and i pay £292 fully comp for me and the missus with More Than. Sorry in advance if this upsets a lot of you, i'd rather be 21 and pay a grand if that makes you feel any better.