holy f*ck mate, your getting screwed !!
i pay 464.00 f/c with elephant, im 23 with 2 yrs ncd, its in my name with my mum added as a named driver, i have told them its worth about 3.5k.
i live in Romford, essex.
even last year with onlt 1yr ncd & my mum not on the policy it was 900.00 f/c with elephant.