Mate I'm haven't looked through all the posts so don't know if this has been mentioned but try moneysupermarket (dunno if we can use links but type it into google). I've had a mk3 1.8 since I passed my test (3rd time) at 17. Named driver with direct line on my dads ins. (3pft) 1st year was £1300, this year £8/900 (can't remember) but the quote on moneysupermarket was cheaper in my name (for renewal) than being a named driver on my dads with direct line (prices went up on there (by about £200) as a named driver again on my dads rather than me being main driver with dad as named). Give it a try - you'll be surprised (they quoted me £1800 for 3rd party fire + theft on an '03 bmw m3 with me as main, dad as named and 2 yrs no claims (mine) and only one speeding fine on my dads). It's actually ridiculous (sp.?) but you'll be surprised. Try all the ins. comparison sites because it'll save you hundreds (or thousands??) as a young driver - especially on a 1.3.
Good luck with the quotes - hope this helps.
