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[P-Courty]

From a friend who used to work in insurance.

Alot of it is done on the local area, How many of that car is in the local area, and the crime/accident rate compared in that area on that car.

So if it is super common, expect to pay a little more, if it is rarer to see (i.e a cabby) then it should in theory be a little cheaper, that is what she said to me any how on how they tend to work out costings

I pay £980 a year with Adrian Flux on my 1.4 306 and have been driving since 2008 (25 by the way), my mate who passed his test one and half years later (he's a year younger than me) and had 2 crashes, and obviously less no claims, has a focus st (very common in this area) and lives around the corner from me and he pays less than £700 with Adrian Flux aswel.
How does that work?