get a 1.3 mk2, cheap to insure for your first year, then either swap the engine or just get a gti when you have got a years no claims. pass plus isn't worth a damn thing, I did it and it made no difference to my insurance, you'll often find that bigger engines are cheaper to insure, my 2.3 rover was £700/£800 my 1.3 fiesta was £1100 my 1.1 fiesta had I insured it would have been £2400, so whatever you go for check all engine sizes for that car and fully comp is normally cheaper as well. also putting an older driver on the policy can bring the price down a lot, even more if you tell them they are the main driver, (which of course you should never do as you wouldn't be insured if you were caught, but it saves me over £500)
