How true what I was told many years ago: " a licence to sell insurance is a licence to print money..."... No doubt in my mind that we are all being taken advantage of... I passed the 12 year NCB some years back (various insurance companies have told me they stop counting at 9. Why?), I don't live in a war zone, not a teenager, involved in motor sports, etc., but it is still cheaper for me to insure my Porsche than my LS400!!! You might want to try Tesco insurance - cheapest I could find just under £500. Whereas with the Porsche I have an agreed value policy (agreed between the ins. co. and myself based on valuation) the LS400 is valued by Tesco at between £0-£30000! I suppose that means the premium is for a £30K car and payout in case of accident will be £0! Have tried many, many others - including the one recommended by LOC (the very helpful guy who ran the quote apologized that he couldn't do better than a premium in excess of £2K!). Guess we do need to start our own insurance company...