Having looked at many insurance quotes i feel there is not much difference between a One insurance and a Cooper insurance, I've had a look at JCW insurance and the prices have gone up to £24k to £26k, are any 18 year olds insured on the JCW for below this price?
OP, sorry but I don't really see your point. No company expects you to pay that, it merely means they are telling you that they don't really want your business.