If he was an "enthusiast", he really wouldn't be doing that to his car. Those rear lights are probably the worst thing you can do to a Focus. I understand people wanting to be different from the norm, but thats taking things a bit far. Although I guess its down to personal taste. Just not really the kind of thing you'd excpect a dad to do! Regarding no claims, it really does make a difference. My first year of driving, I had a '97 1.6 litre Peugeot 306 (group 5). It cost me £1200 TPF&T - no NCB Second year of driving, I had a '99 Vauxhall Astra 2 litre turbo diesel (group 5). It cost £900 fully comp - 1 year no claims Third year of driving, I've still got the Astra, its costing me £450 fully comp. I'm still only 20, so at the moment, age doesn't really come into it. I'm glad my parents wouldn't let me anywhere near there insurance, 'cos I would be paying about £2-300 now, if I was on their policy, but as soon as I came off, I'd be back to paying over £1k, something that would really screw people over.