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@Dammit
My car is group 18, first years insurance was £800, that was with no NCB.
This year it was £450 with 2 years NCB, every time I have had to shop around though as if you let the company roll it over they'll knock £20 off if you are lucky.
My excess is £1,000, which (the contact centre girl cheerfully informed me) is £250 more than the book value of the car, so if it lost a wing mirror it would be a right off.
Therefore the only reason I have insurance is because I might hit someone/thing.
It's no use to me for any other reason- apart from being a legal requirement obviously.