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Sumo-
That sucks. What about fiat?
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Scratch that, they updated the terms for it this month:
http://www.peugeot.co.uk/news/just-add-fuel-just-got-better/
No NCD required... just need to have a full UK licence.
Soul
Check this page out...
https://www.carwow.co.uk/blog/cars-with-free-insurance
Looks like either the Fiat 500 (three years insurance) or the Peugeot "fuel and go" are the best cars out there with insurance included in the price.