Im insured by a place called swinton.
http://car.swinton.co.uk/car/
Im 20 and got a 92 K pug 106 1.4 XT costs me 3rd Party fire and theft just sort of £1200 thats with less than 1yrs experience. No Modifications declared and parked on a main road in a layby.
As what waynne said they go by the person(age) and area.