Im almost 20years old and been driving for 2 years. I'm a very good driver and have never claimed or had an accident. Only problem is for these 2 years i've been a named driver on my mums policy which means I havn't been able to build no claims. The insurer im currently with said i can earn no claims from this year but if i leave the company I cannot keep the no claims.
Now my insurance is due, i've shopped around and the quotes are still high because I have no claims even though i'm a good driver!