Feel for you mate,but as the lads have said,bide your time and take stock of the situation.
How much diff is your insu to your mk4 golf? change a few things on ALL the comparison sites,and try 3rd party for a year,up the excess slightly etc,most of these sites hold a price for a while.
I found that mileage in the year changes things,make sure you work it out mate.
Loads of gti's out there,you will prob find one with better spec for less.
21 eh,lucky bugger!!!!!!!! "i want it now"
Chris.