I have 48years ncb on one car & 16 on the other .

If a 17 year old in his Nova writes off a Ferrari who pays, he dont cos they wont insure him the following year, so its the rest of you that pays. You guys want discounts for everything, they aint a charity but in business to make money.
Get old, Dont crash is the only way to get cheap insurance & long may it continue .