2 years NCB is usually 40% discount so I would expect lower due to ages of drivers and no convictions but unsure on postcode.
I am insuranced via
www.admiral.com,20vt[6], no mods, my wife and I are about 10 years younger than yourselves, full no claims but 1 accident (wife, named driver) - I paid £360.
I live in an FK postcode - I remember getting insurance on a car 14 years ago,the insurer misheard and quoted me on an SK postcode. From memory the quote was £370 which was good and about half of all competitors (19 years old at time with a Lancia Beta 2.0 ES), I called up once I got paperwork to amend the postcode thinking that quote would go up, actually dropped to £270!