As i explained to you as you havent got our minimum licence requirement. At 22 with 2yrs NCB on a car running 240hp our underwriters would want a 3yr licence and progressive performance car driving experience. As per our criteria post we require a mimimum licence of 3yrs (you only have 2.5yrs). We can do 2yr licence on referal but the the underwriters wont do it at 22 with 240hp We did explain this to you over the phone and again in a PM!! Kind Regards Neil £600 a year sounds steep mate, how many years NCB do you have and how old are you?