Not based on driving experience, eh, Dick? Try getting a 65% NCD if you only passed yer test yesterday! Insurance companies take all sorts of things into account (not just yer engine size). Gender, age, claims history, motoring convictions, make, model and age of car, whether you keep the thing in a garage, your mileage, who else you want driving, whether you live in inner Liverpool or Much Binding In The Marsh. What I said is true. A newly-qualified young driver could be paying two grand or more. For the same car, for me with me clean licence and full NCD, all other things equal, it's about £250, and my excess is a damn sight lower as well. Facts, Dick. Lose the emotion, old boy!