Speaking on experience when I first started driving...do not use the internet based company eCar....their horrendous to deal with for accidents, never resolved mine, I buggered off to Admiral.
26, 2yrs NCB, not bad area, 2 family members on as name drivers, excess raised (by my choice) to £750. £1064. Will prob be a lot less come next November.
It does all come round to the circumstances though and then how willing you are to moan to them and how willing they are to keep you... or what muppet you get on the phone... lol