Wow I thought it would be easier than it sounds - this is something I would be looking into soon, one of my relatives (age 26 passed in December) is getting quotes and even with the black box (Co-op) the premium was £3500 a year!

I am going to hate trying to get insurance for Rina - may be worth getting a an old scrap heap and insuring it TPFT just to get some experience and NCD...

Good luck in getting it done!