Nope.. well for example..
I am 21 - Driving 3 years, 1 years NCB, 1 accident
Sister is 19 - Driving 2 years, 1 years NCB, 1 accident, both mine and my sisters accidents happened last year..
same insurance group car
Yet I am paying 150 to 200
more than she is! I couldn't believe it!

Sucks to be a guy sometimes!
Jay