Yeh, would choose insurance myself too, boring as it may be. Coilovers came a close second tho, highsports are meant to be very good, theyre the mid range FK coilovers but are still meant to be very good, should be able to pick some up for 300-350 quid. I got lucky and found some konigs on german ebay for 350 quid posted, just waiting to fit them, think the only main difference is the konigs are top adjustable, so can adjust damping while the coilovers are on the car.