Dunno mate, I get screwed cos I live in an OL postcode. Thats with over 12 years no accidents, max NCB......
Way more expensive than it should be.....
Just one thing to be aware of for you all as well. If they ask you if its garaged, don't immediately assume that it will get you a lot off the premium. I have a garage and on one of the main companies, asked much difference it was. Basically it totalled to a massive £15 difference a year between garaged and just on my drive......
More disconcerting was, that if I'd have taken the garage route and then the car was nicked, there was a chance that they would have said it was negligence that caused it and not paid out.... whereas if I said, just on drive then it was fine......
I mean, whats the point?
Of course you do I'd forgotten, its probably worse than mine. Ridiculous on the garage route - I always thought it made a big difference. Mine is in a garage though so better to keep it that way cos I aint got a drive!!