I would say its worth about £100 to £150 depends if its in good nick or not, as for the insurers it did not cost me any more or any less
and as for how much you pay mate
i payed £1600 a year thrid party fire and theft when i was 20 years old now i am 23 it cost me this year £734 a year tpft with all mod ie wheels cage i told them every thing