Right seriously where do insurance companies come up with their quotes??
i am 24 with 7years NCB and 3points. I got a quote one my own for my GTI and it came to 807.87 for the year.
i then added my girlfriend who is 22 and has been drivin ONE year...the quote comes down to 722.78.
a month later i checked again as it is getting closer to the renewal time and the price went upto 1405.11 with the exact same details!!
but wait for it, i just checked again today and now the exact same details i am getting quotes of 676.73!!
honestly where do they get these figures from? does someone just sit there and make up numbers depending on what mood they are in

crazyness as last month i was looking at 1400quid for insurance and possibly changing my car because of it! and now a month later its down to 600

rant over :)