I have an old, 10 year old, Ford KA, I'm 62, it costs me £500 quid a year to insure, the reason? I was car free for over 30 years, no checkable history, since I've had it its cost me almost as much as I paid for it to insure. Only one of my sons drives, he's in his mid 20's, he started with a 1.2 corsa, nice motor, he brought it about a month before his test and insured it in my name so I could drive it till he passed, his mum helped him buy the car but he sorted out his insurance himself, he did tell me how much but I've forgotten now. he was only driving for about a month before someone wiped him out on a roundabout, pulled onto the roundabout spun him round and just kept going, we never traced the driver, me and his mum paid the repair bill, had to pull in some favours to get the cost down, in retrospect we should have just scrapped it.