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I'm 22, I have 1 claim and 6 points and I pay over £2k for my 172! After paying £800 per year for a fully declared 280bhp 1.8 20VT Polo GTI 6n2 valued at £6000 It's a shitter!
I personally think the 6 points have been the killer.
My GF's insurance company won't insure me on her car now because of the 6 points.