It makes you wonder how they calculate your premium..i mean, admiral and diamond are part of the same group,but each will give you a different quote. same as other affiliated companies...they will each give diff quotes..why???there seems to be no reason. Also some companies go back 5 years for points and others 3.Points stay on your licence for 4 years, but after 3 they dont count.That is according to my stepdad who works in photograhpic evidence for speed cameras!!