I'm 34 with 3 points from an SP30 last year. Living in a safe-ish area in Cambridgeshire. Driving around 25k miles a year, including business miles, to be spread across a 20VT, and 1997 Alfa Spider. 8 Years NCD on the Coupe and 3 Years NCD on the Spider.
I'm reasonably happy with £600 in total for the Coupe and Spider for the year, and all done in 30 minutes in one phone call.