I am 51 but was out of the country for nearly 4 years so lost 20 years plus NCB so had to start again - AF were £515 last year and CK were £440 this year with a few more perks thrown in, My work car which is on a 3 year lease Mar 14 and worth 4 times the book price on the Zed is £320 - nuts - although very quiet postcode PE31
Keep looking as more members may give you a better steer than me !