I live in a town mate, i don't know why they are so high it just is. :/ my dad had like 15 yncb as well. Ive looked all over for cheaper quotes and there the cheapest ive found.
and personally in my situation, if i did pass plus, it only knocked off about what it cost, so i never bothered (altho these were with very cheap quotes in the first place, probably would have knocked off far more with the stupidly high quotes i was getting )
Pug 205s are very hard to insure, they are stupidly high on insurance groups. My 1.4 is a Grp 7, add to that the fact I have one accident to my name, and I'm 20 with 1NCB and it's not the nicest of prices for my policy, still it's something like £600-£700. But I also have 3 years of license and driving under my belt.
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