I think its down to a combination of factors and different insurance companies which is why its always a good idea to ring around. Some insurance companies don't care about one offence whilst others do. Some companies don't like insuring high insurance group cars, others don't like young drivers. *Shrug*
I have a group 20 sportscar and 3 points so I have expensive insurance.
I think the only way it could be a worse combination is if I was in my early 20s!
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