i am 23, 1yr ncb and have declared all mods, and because im a member of seatcupra.net that reduced my insurance. i pay £658 with adrian flux,

mods: exhaust, dump valve, alloys, induction kit and stage 1 remap
 
me and the mrs pay in total £550 on the mr2 and the cupra
were both 25 she has 4y ncb and i have 3y ncb

neither of us have points, adding each other to our policies actually made both cheaper, i brought hers down around £30, she brought mine down about £80! result (she is with churchill, im with admiral)

once you hit 25 everyone just gives away insurance!!! lol