well, im still living at home, got a full time job, the thing that gets me is that i have no, NCB, even though ive been driving for 9yrs, with no claims, but during my first two years of driving, i recieved 6points, witch triggered the loss of all licence due to the probational 2 year rule, and when i retook the test, and past, insurance was very hard to get, hence, i had to be a named driver, where my NCB was not racked up, But hey, Im hoping it will come down a good bit for next Year!!!