I'm with Morethan, i'm also 18 and my insurance is £1300 a year (or £1200 if paid off in one lump). This was a recent renewal as before I was on a young drivers policy which prevented me from even putting a different head unit in the car! More than are happy with my "cosmetic" mods e.g spoiler, skirts, spats and alloys for no extra cost. They don't accept performance/handling mods I don't think. Give them a try. @emma: bit of subject, but do you pop over the pond to southampton at all? If so i'll give you a flash and a wave if I see you!