YOU CLEARLY HAVEN'T BEEN PAYING ANY ATTENTION TO ANY OF THE OTHER THREADS ABOUT CARS/INSURANCE.
THE BRITISH INSURANCE SYSTEM IS COMPLETELY FUCKING WEIRD. NEW CARS ARE MUCH CHEAPER TO INSURE THAN OLD ONES.
EACH CAR IS PUT INTO AN INSURANCE 'GROUP', RATED FROM 1 TO 20. 1=CHEAP, 20=NOT. MY PARENTS' KANGOO COMES IN AT GROUP 5, THE VOLVO (DEPENDING ON THE ENGINE) ABOUT 15.
EVEN TAKE THE FIESTA AS AN EXAMPLE OF THE FUCKED SYSTEM. THE MK2 1.1L IS GROUP 5, THE BRAND NEW 1.25L IS GROUP 1.
PLEASE DON'T CLAIM THAT CAR OWNERSHIP IS MORE EXPENSIVE WHERE YOU LIVE (UNLESS YOU LIVE IN NORWAY OR SOMETHING - BUT EVEN THEN, YOU ONLY HAVE TO PAY ONE HUGE LUMP SUM FOR THE CAR - WE HAVE TO PAY IT EVERY YEAR).