I hate to burst bubbles here ,but surely paying over £200 a month for insurance is madness, you then have to run these cars ,they are old now and as we all know there not the cheapest to repair /maintain .Sometimes you have to wait ,as it would be pointless skinting yourself out to have a car sitting in the garage insured that you cant afford to drive .But if you can good luck
Im now 33 with 0 ncb ,as ive had classic policys since i was 21. the 3 door is £198 a year and ive paid that every year since i was 25.