I'm 42 with 18 years NCD no points and HIC quoted me £750!!
After the ninth(9) phone call to flux chasing a quote I gave up, they don't insure people who are retired unless over 65!!
I think your quotes sound good, got great service, eventually from BONCASTER with eveything in writing, BEWARE this company does NOT cover you when driving to and from place of employment, stated VERY clearly on my policy, in fact it is so vague it states any place of employment, hard to think of many that don't employ people.
tabetha