I just bought a 1.2 2001 clio, done a few insurance quotes and cheapest i have got it so far is 1.6K and thats with mods on what i did was put your parents on the policy to but not as named drivers it should go down a fair bit then mine was £2k but with parents on its gone down to 1.6k with mods on and thats comprehensive , that was with direct line [there fairly expensive to be honest even though thats the cheapest i have found so far]