Hmm, tried different post codes, different cars, different license holding times, the only thing that seems to make a difference is the no claims bonus.
Get a new VW polo on a lease deal. With a £1k or so initial payment, your monthly payment will prolly be less than monthly insurance costs on a second hand car owned outright. You should be able to get two years insurance included in the deal.
Hmm, tried different post codes, different cars, different license holding times, the only thing that seems to make a difference is the no claims bonus.