I don't know why they make it so complicated...when I started this thread, I was reinsuring our Ford Fiesta (16 years NCD, no points, no accidents). Most of the major insurers wanted an eye watering £1400 (up from £300-odd the previous year). In the end, found that LV would do it for £580 and went with them. I've just bought a second car for the family, transferring the Fiesta to my wifes NCD and have restarted the quotes. A complete reversal... LV are the outlier that wants £1500 whereas the other insurers are down around £600.