this whole fronting thing is so old its grown a beard....
the guys not fussed about fronting though as he's clearly been doing it all along?
I'm 22 now and have full no claims on my daily driver - a fiesta si which costs me £330 tpft and my escort which has mods list as long as your arm inlcuding 14 point cage, rs engine... etc etc with a 4k agreed value and a limited milage costs me £525 fully comp
build up your no claims, why pay the value of the car out every year... its madness, should be telling you you can't insure it!