Can I also point out, that with most insurers, the more times you submit an online quote the higher the premiums go up For example a 1.6 saxo would have cost me £1900 on my own name (vtr, which is fair enough) then I did a 1990 nissan bloody micra 1.0l and got a quote for £2500. Passplus does help, the only thing is some insurers treat less than 1 year of driving, the same as 1 year of driving. In other words, a year afer you passed your test, the only reason your premiums will drop is because of your AGE and not NCB or years of crash free experiance