Adrian flux will not cover you to drive any vehicle until you are 25, i was with them for 5 years and told them to piss off this time, I had a st170 when i was 23 with lots of performance and handling mods and paid 650 then sold it and bought a citroen c4 vts hdi 140 (moment of madness) now bought another st170 in standard form and they are asking for 950 lol . swinton have insured me for 400 with 5 years ncb in bs14 postcode and had license 5 years so pretty good.