Im 20, but was 19 when I got my S - price was £1500 through Adrian Flux (they were the only company who would cover me!) with 0 yrs no claims and 0 crash history.
Next year its due to drop 30% when I get my 1st yr no claims A.Flux told me over the phone last night
*oh forgot to mention with all my mods covered as well - only made £100 difference*
