Hi m8 welcome. Insurance, shop around this is what happened to me. Got a quote for the cabby the other day £165 fully comp and just me as a driver 7000 miles, left on drive. If I declared the 2" sport exhaust I got for it, then it would have been £420. Currently paying £230 on K plate Ford Skip (escort) TPF&T same mileage etc. ??? This is worth more than the car :Ha :Ha Makes no sense to me.