T`is all a joke Herb. Mrs Roy and I are 10 years older than you and Mrs H. We are with LV and have been for 10 years. We both have max 9 years NCB and I have one Speeding offence. We have Fully Comp, £250 excess and full Euro cover. We pay £800 for four cars-Lexus, Merc, Mazda2 and Toyota Yaris.