It makes me wonder how much it does actually cost. When I bought my ST170 I had no years no claims, a bump in the last year, and 6 points. Under normal circumstances on a group 15 car it would easily cost well over £2000. However, no questions like that were asked and they only knew about my points (as they looked at my license, assuming they cared anyway). I made no claims in the time I the car, and hard to see how anyone really lost any money at all! (insurance wise that is...)