Quite a few years ago now, I was in my early 20s, living on the borders of East London/Essex and looking at getting my first car. It was the early days of price comparison sites, so I did a few sample quotes on fictional cars to see what kind of premium I'd have to pay.
A mid spec few years old Fiesta or Corsa was about £2000, a Focus even more. A base model 106 or Saxo was a similar price too. I then tried a couple of "old man" cars, and could insure a similar in peformance Fabia or Yaris for less than half what it cost for a Fiesta.
This can only have been on "typical owner" modelling - they must have assumed if I bought a Fiesta or Saxo, I would fit a huge stereo, alloy wheels and that stupid under car neon lighting and go and do burnouts and doughnuts on Southend seafront every Saturday night, but not if I bought a "boring" car.
I bought the boring car and never did "Cruise" or make any "improvements" so yes the insurance were half right- though if I'd bought a Fiesta I'd have not done any differently.
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