I'm having a real hard time with insurance at the minute. As you can see from the following details, the insurance companies love me. I'm 20, been driving for 3 and a half years and have 1 year NCB. I have a CD10 with 4 points gained in 2004 related to an accident which was judged as my fault (even though it wasn't, long story). I had an accident in 2005 when someone drove into the back of me, which wasn't my fault (yet it seems to increase my premium). I used to do a lot of miles, over 50k a year, so it was inevitable that I had a prang or two but now I barely do 10-12k a year. I've had a look in the sticky but haven't found any conviction friendly insurers. Does anyone know of any insurers who specialise in fools like me or am I condemned to high premiums for another 3 years? The best all round insurer I have found is www.elephant.co.uk and have beaten almost everyone else. Help me!