thats what they said to me and im over 25, the one im with currently is tradewise, insure anything apart from jap imports and motorcycles only because i opted out of those cause i dont use em, were insured on anything we have the keys/driving/in trust of fully comp, there 3 of us on it and its £1500 a year, got 4 motors added to it and it never goes up if you add cars only drivers, also give you a excess thing, you get 3 a year, if you stuff it you can use this thing so you dont have to pay the excess

cant coplain at all really best insurance i had ever, though i havent had to claim yet and that might be a different story lol