Im 23. I got a quote 2 years before doing it for a laugh and i was quoted 2k with no NCB at 20 years old and was quoted £2k+ so i decide to leave it a couple of years. Then when i was 22 i got a quote for around £1400 so i rang them up for a haggle (always do this you get better deals!!!) and i got it down to somewhere between £1100 to £1200. I can't remember the exact figure though. I personally wouldn't bother under 21 as it is going to be mega pricey, but if you have the mone to pay for it then go for it. I waitied 2 years as i simply couldn't afford it. It was meant to be around £600 n/a but i just had to do the swap . The thing about a swap is itis an extensively modified car whereas a GT or Glanza is already 4EFTE'd so it is classed as a standard car so is therefore cheaper. Bourkey