hi, it really just depends on where you stay etc,just like the guys say,im 30 will full no claims and my old insurance company was wanting 475 fully comp admiral was gonna take 250 and adrain flux with an agreed value was wanting 310 so its best to shop about every where you can,insurance companys are robbing b******s anway,i would defo get your own insurance and start building your no claims discount,it will be better in the long run,women do get slightly lower policies cos your suppose to be safer drivers than blokes,eg insurance companies think we drive likr idiots all the time lol,hope this helps