with regards to insurances, think ur self lucky, im 20, just renewed, 1 year ncb, 10 month policy, 3rd party, 1.9d n reg polo value of £150 and i pay 900ish, and my old mk4 gttdi pd115 when i was 18 no ncb they wanted £4500, so that was done on mums policy

last time i insured the mk2 8v gti i was 19 no ncb, declared the exhaust induction and alloys, 3rd party £1900. and the rado kr on the same policy was 2100. just cant wait till im 25 for gods sake, i mean, ive never had an accident, i bin driving 3 years, and i can only just insure a knakerd 15 year old derv polo wich had 64bhp once upon a time. its a joke, yet my missus, who has bin driving 3 and a half years, same age as me, stacked intot the back of things 3 times nw, yet she can insure a 4 grand 2 litre bug for 600 hundred bux. all cos she has tits, and she cant drive for sh!t