Me and my girlfriend got insured with Tesco Fully Comp when we were both 20 with zero years NCB for £1200 (paid monthly) on our 97' 1.0 Shape
Our renewal was too high with Tesco (£900) so swapped the following year (at age 21 with me having 1 year NCB) to Endsleigh (as we are students) for £590 in total paid up front.
When I bought my new 93' Super S and gave the 1.0 to my girlfriend my quote dropped to £560.
I then had to swap to a different insurer as they wouldn't cover the mods on the Super S
at all (lowered suspension / wheels) so I searched around and got a quote from Adrian Flux for £1200 Fully comp (still 1 years NCB at age 22), all mods declared (and all non BHP enhancing mods free to add) and best of all,
It covers me for other vehicles third party with the owners permission! Which I thought was not given by insurers until you reached 25, it is useful for driving my dads (3.0 V6) car and my mates Triumph GT6
The policy was through Adrian Flux but is with an insurer called Red Star Equity. I have had a really good experience with Adrian Flux and they even helped me cancel my insurance free of charge (with Endsleigh) as they informed me that I should not have been sold the policy on my Super S if they were not willing to cover the mods in the first place (I did tell Endsleigh about the mods when I took the insurance but they said to add them later). So I phoned Endsleigh and sure enough they stopped the policy free of charge (although I lost the 4 months extra of NCB I was building up).
All in all Adrian Flux is worth a shot. On another note, my girlfriend got her 97' 1.0 insured for £500 with admiral with her dad on the policy at age 22 with zero NCB. I have always found it is worth shopping around for insurance for a week or so and changing all the data to minimise the quote. My second years insurance (with Endsleigh)
dropped by £150 when I changed the annual mileage from 3,000 to 12,000, which doesn't make any sense
