Why is that unrealistic??
Im 28 with 2yncb. Mods declared were sports suspension kit, free flowing exhaust, air filter, hks bov, fmic & performance chip. I paid with my most recent GT 478 fully comp. That's with 2 convictions, sp30 & cu80 plus a claim for £2600 where I was at fault.
So I'd say Barrys insurance is pretty believable tbh.
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I am here:
http://maps.google.com/maps?ll=51.432790,0.212028