Firstly, 3rd party is MUCH cheaper than full.
Secondly, My wife gets it WAY cheaper than I do, her excess in an event is $250, mine's $750. Both under 25, but I'm a male on my restricted (She's a woman on her full).
Thirdly, I would hate to be your insurance company if you're making that many claims. Doesn't your premiums go up after a claim?