Mine is insured for £242. I'm not a vicar either. Just 24 years old, 6 years NCD, park on the drive, 10k miles (tho upgraded to 15k for £15, and added gf (who has 3 points, 3 further pending AND 2 shunts :D ) for £10). Change of postcode cost another £12 when i moved house. The downside, if i crash, i have to pay the first £600. Before my C4, i had a 1.1i 96P Saxo. That was prety much the same, and for 3rd party FnT too !!!