I've 33 years no-claims bonus but my insurance is 35% higher than an online quote from same company to a newbie with none. CIS puts up its insurance each year LOTS & so the only way to get competitive insurance from them is to cancel yearly & get a new policy yearly - such an unnecessary faff (& Insurance Ombudsman don't like this tactic, as it's designed to make people pay over the odds if they forget to do this yearly). Then of course if one needed to claim, CIS could easily say that the problem was before the current policy started, despite the fact that they were also the previous insurers. Totally had enough of them & am changing to AGE UK Insurance - wish I'd done so 5 years ago! (I'm 55 & they do ins for over-50s.)