Insurance and Servicing were dirt cheap on mine. Servicing was around 150quid mark with most of it being labour. That was at Lexus. Insurance for me and my gf with the car valued at $34,000 fixed (around 13/14Kpounds was $510 or just over 200quid, that was fully comp.

Rear leg room is 0 and I mean 0

Rear seats do not collapse and only the centre arm rest folds down which is called a "ski hole" or something similar to enable you skis to poke through from the boot. Boot space is quite good though and unlike most cars the IS includes a 5th alloy (no 50mph dodgy wheel) and also a tool kit and first aid kit.

HTH