im with adrian flux aswell, 24, 4 year ncb, with my 22 year old missus on it, £400 quid!
There is another trick u can do, try direct line, or elephant online, and place your mum or dad on it as a additional driver, normally your mum is best, and the price will come down alot.
Done it last week with direct line on my 89 XR3i last week, price with just me was £399, put my mum on it as a additional driver and it went down to £230, worth a try works for me everytime