I am currently 24 turning 25 in Oct.

I passed my test in February 08.

I have had 2 accidents One in Febreuary - Not Me driving was an additional driver but claim is going against me, which i understand. And one claim in April 08 - me as the driver.

My renewal has come through and as expected is sky high.

My renewal is due on Aug25 2 months before turning 25

Now my questions are as follows.

1. Will my premium reduce when i am 25 if so will it be drastically reduced or just slightly ?

2. Will my premium be lower when i have had my license for 1 year and more, and again will this be drastic or slight ?

3. If i do switch companies and don't make a claim upto April 2009 - one year since last claim will i still be able to claim 1 year no claims bonus as the 1 year is split between companies / or does it need to be with same company to be eligible ?

4. is there any regulations to stop me buying 1 month insurance policies with companies like norwich union/aa/temp cover and doings this every month / do i still acrue NCB if i do with same company every month ?

I thank you for your answers in advance !!!