I did it. The secret is to not crash. I had a couple of knocks but just didn't go through the insurance and the costs I paid were a lot less than paying 3000 per year. Admittedly I didn't get any no claims but I'm now I'm on my girlfriends insurance anyway as we share a car and will be for the foreseeable future.
On a side note my girlfriend is a year younger than me and has written off every car she's had, yet her insurance is still have the price mine would be.
Due to the gender directive the insurance companies are not allowed to discriminate based on gender so as they don't ask about accidents that are over five years ago it could make no difference.
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Commute to and from work. Job done.