when i was 20 the insurance company wanted £2000 TPFT to insure a standard saph with 3 years no claims so i dint bother insuring it or driving it, when i was 21 i insured it fully comp for £1200, when i was 22 it cost me £900 and im nearly 23 and the renewal wil be £750 with mods declared kept in a garage less than 5000 miles and thats with 5 years no claim i think maybe 4