I'd just turned 21 when i bought my mk3 16v, got insured fully comp with Elephant for ?743, and had just lost 2 years ncb. Only down side is the ?300 excess! But i do get courtesy cars, breakdown cover etc. and they handled my claim that lost my ncb very well.
I assumed that after i crashed my last car and lost the ncb i would have to get something a bit more sensible so i got a quote for a 1.6mk3 and was shocked to be quoted ?430, so i went up the models getting more and more excited till i got to the GTi 16v, had to stop short of a VR6 cos i couldn't afford one but the quote on that was ?1100, which is not too bad. Maybe next year............