to be fair, £1100 for a 21yr old is very good. I piad £1200 for my 16vt when i was 23.
It comes down quickly tho, i've just been quoted £785 for this year with all my mods declared (inluding a couple i havent put on yet). I've also been told that next year, baring any accidents etc, it'll go down over another £200 as i'll be 25.