That's just rubbish... I hate insurance companies. Such a rip off at times - I can't get insured on my other half's Focus ST... yet my Fireblade is worth the same amount, faster, easier to steal and is cheap as chips and the car I'm driving around in is a 240bhp Morris Minor... go figure.
Know the feeling only too well I wouldn't mind the premium but I'm 31 not like I'm a youngster any more lol. Weirdly though this time around they asked me how many years NCB I had in cars which, is now +10 but yet it didn't seem to make a blind bit of difference so don't understand why they asked it.