• 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:

    1. New Economybox eg 1.0 Fiesta
    2. Old man car eg 90s Merc 2.0, Volvo, Jag etc
    3. 2-5 years old Ford Focus/Golf/any sort of estate 1.6 etc something you might drive

    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.

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