its very common...didn't do it myself, i had no choice but to start with a 1litre, pay for it monthly and avoid hitting stuff but at least i got no claims built up.....just have to "take it" for the first year or 2. A few years back someone i worked with passed his test and was moaning that he'd had a huge insurance bill and how unfair it was and why should he be "assumed" to have a massive risk. I had to laugh when he preceded to have 3 (! :O ) accidents. The bills a biggy for a reason sometime!
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