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@pigfarmer
If your buying something cheap it'll be well worth it as the amount of money you'll end up paying your first year after loosing the NCP will be catastrophic, especially if you suddenly need something whilst living in London. I for example saw a £400 drop from 0 NCB to 1 NCB and am expecting a similar drop next time I insure.
Financially it's a sound idea. Just don;t buy a pup.