clare depends on the offence too, no insurance or serious offences add 50%, speeding adds 30%

but then there are companys that specialise that mean ya could end up only paying a but more

my first years insurance with 9 points ( which is cheeper than 6 points i foudn out too ) was 2300up wards untill i tried insurance express in birmingham and they quoted me 1200 quid per year fully comp, that was no co claims and just past me test, was the same with no points by otehr companies due to lack of driving experience

the following year with 1 years no claims it went up to 1400 quid due inflation and they said id i never had 1 years ncb then is would be another 30% ontop

so i lost my points and payed 500 fully comp then now i got me cabrio and im paying 340 quid with 2 years noclaims