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I'm 22, 5 yrs experience, 4yrs NCB, 10,000miles a year including commuting and my cheapest quote on a 172 is £490. That's for my renewal at the end of this month.
That's with admiral. I always find either admiral, bell or elephant the cheapest.
My friend just got one of these and it seems to be a really good phone, think her battery lasts about 4days.
I'm considering getting one when my iPhone contract is up.