[mani]

surely the accidents he had b4 he was 17 shouldnt count now?

i think its more to do with where he lives too and the area. alot of differences can be made with small details - i once ran a few fake quotes thru confused.com and the changing of lil details was makin 20-30 quid difference. even something as simple as what job you list. if you put down unemployed it goes up if u put down bank manager/clerk it goes down. kids make the difference, marital status, how many cars u have in the family.