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@sumo this site has a list of the postcode risk groups: http://www.motorcarinsuranceuk.co.uk/post-code-ratings.php
@sumo this site has a list of the postcode risk groups: http://www.motorcarinsuranceuk.co.uk/post-code-ratings.php
There's lots of different factors at play with insurance, old man cars don't always work if one major factor is skewing your premium.
@Sumo
NCD will always bring your premium down, that's the point of it, it's a No Claims Discount.
If a variety of different options didn't make any difference then might I suggest you're not being varied enough.
Trawl Autotrader/Gumtree/eBay for cars with number plates that you can put in the comparison site. Find:
Then use two postcodes, your own, and try one just outside London eg RM11 1EX
Then try with 0 years experience, and 5 years.
Run through every possibility, it should only take an hour or so, and make a note of all the different premiums.
If you've got more time, try a 3rd postcode in the countryside.