ive recently insured my zed through Aviva at 1200 a year I.e. 110 a month with a 800 pound excess as im under 25.....after speaking to a lad at santa pod on sunday, he has less NCD than me and is a year younger but pays 700 a year with elephant! I think ill be ringing round again! I must add that im 22 with 5 years NCD, no points, no claims and live in a very good post code which is basically anywhere that isn't the north or London