44 yo with 23 years ncb, protected, this means that a certain amount of own fault bumps are allowable/not counted, but after that or if you have a bump and it is not protected the ncb drops of course and the premium goes up.
Anyone facing speeding would do well to invest in the 4 letters, these have NEVER failed to get a speeding charge dropped, cost £37 that's all.
tabetha