i have heard from a friend of a friend that after ALOT of searching they go there son a commercial disco and insured it for less than £1500. this was because of less risks with having a load of mates in the back or somthing. Insurance these days is expensive. Fact of life
 
That ^^ was my point, I think the cinquecento thing was a 1.0 engine.

I have to say I find the insurance costs for a new driver to be rather horrible, when I was 17 (30 years ago) I was paying less than a week's wages to insure a Triumph Toledo (1.3 litre, not sporty, over 10 years old and worth about £100), now the same sort of thing is costing more like 2 month's wages to insure. I find it hard to accept that the risk has increased all that much in 30 years.

I totally agree, It has increased, but only proportionally to the increase in the number of drivers on the road... which, lets be honest, is not a massive increase from 40 years ago. Anyway, the insurance prices increase, I think, because of greed. The insurance companies know we need to have insurance by law to drive and there for can charge what ever they like knowing we have to pay it. They worm their way out of paying out when an accident occurs, in any way they can, but charge you a fortune for a 'certificate' stating you're completely covered.
I like to think that at some point the government will step in and finally say you're taking the 'urea' with these prices.

The only company I reckon not to be hit by a recession is the insurance company ;) Greedy people :(
 

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