im 20 with 1 years ncb, insurance will pound you for changing and engine, mine wanted 2300 for swapping a 1.6 for a 2l, so i went and bought a 2l mondeo, 1000 per year, plenty of boot space, and room for the family, and something easy to play with should you want in the future, and anyone saying just stick a turbo in it? cummon? all my mates with kids struggle with the bills let alone putting a turbo in?