hello Mr 8Valve craig, this is HIC insurance, we recently quoted you for your car insurance, I am afraid we made an error as we did not consider your DD40 and we apologies for the mistake and your new premium is £2456.00 third party only, would you like us to spread this over 12 payments with the next payment coming out of your bank on 1st March........
lol, thare is a mistake there mate!
You sure your tounge didn't slip and said you got WD40!!
Compare this to my Micra 1.0L insurance, 3rd party only, car value declared as £350.00, my age twice yours plus add another 8 years, and my NCB extends beyond 15 years, anual mileage less than 3K, I own 2 other cars insured by others, again each one of these has their own NCB at +15 yaers, no accidents, no conviction, DD10 25 yaers ago, and I get cheapest quote at just over £300!
Astra dan is right they probably use a calculator and punch ina few digits and quote you, not on your driving experience but on you post code! Its a farce!