Well, I'm 54 with a clean licence and 9 years NCB. I'm picking up a Zed this Fri and need insurance for mainly weekend use and in any case <5000 mile/year. Chris Knott told me they couldn't let me use the 9 years NCB on a second car so quoted me £550. I went to eSure who offer multi car policies where not only can I share my NCB on both cars, but they give an an extra 10℅ discount on the second car. Net result is £178/year.