I pay nothing, mainly due to the fact I'm on four other peoples insurance as an extra driver, three of whom get a reduction in their premium.
However the last time I needed to insure a car in my own name, I found I was past their time period of 2 years to allow my former accident free, no claims, driving to make any difference, they put me down as a new driver and wanted to charge triple the amount I used to pay making the vehicle worthless, if I hadn't scrapped it I possibly could still be driving it illegally, all because they put the premium beyond my reach!
