What are you lot paying to insure your ST220s? I've been a named driver on the Mrs' policy for last 7 years so I never built up any NCBs.Cost me 900 fully comp to insure my ST220.
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Insurance does depend on location, just try the main stream and then try some of the specialists, Adrian Flux and Chris Knott were both very competitive for me through my ownership, especially with the mods mine had.