I'm 20, not too far off 21, hoping next year when i renew it will be slightly cheaper!
900 quid with mods declared i was alright with if im honest, think i got quoted about 1600 on the astra vxr's when i was looking at them, thats what i paid when i was 18 with a modded 1.8 sri corsa c, dont want to pay that much ever again haha