Massive Car insurance costs?

My 2024 m4 cost me £1100, which is still cheaper than the old £5k van I used for fishing (almost £1200)

Weirdly though, all of my NCD (5 years) is on my truck and I found out I couldn’t transfer the NCB from a truck to a car.

Then I discovered with quotes, that the difference between 0 and 5 years NCD was £15 cheaper a year…..

I used to think NCD meant quite a lot, but for me (42 year old, 21 year old license with 100% clean history) it doesn’t seem to mean anything…

I guess NCD only really helps for much younger/newer drivers?
 
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Just got in touch with my old insurer today as needed to check it is not going to auto renew, they've offered an even cheaper quote than First Alt from earlier, now £320 so I am staying with them lol.
 
I wonder if the bad press, over the last few years, has cast insurers in an unfavourable light?

Now they can't use covid as an excuse.
 
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