hey,
i have 3rd party with just cars. i'm 20, on my P's, no accidents or claims (hell not even a speeding fine!), and i pay about 400 - 450 a year (can't remember exactly).
fire and theft is an extra 300 if u can afford it.
i don't see the point paying 3000pa for insurance when in 5 years you have paid for another car!
then i spent some $$ on an alarm and clublock and presto - car ready to park at broady...!