ok, try this-

I was 21 when i got my cos with 2-3 years no claims!!
I got quoted £2800 and thought FUCK!
but paid it for 2-3 months till I was broke just because I wanted to drive my car!!

I cancelled the policy on the cos, and was stuck with my shitty work car, girly 206 hdi, in black though!!

I then decided to try and get tempory cover on the cos, from my insurance company (admiral). Phoned them up and said I'd like some tempory cover, minimum they said was one week so thought thats enough for now and thought is this gonna cost £100 for one week!! but to my dis beliefe my indian friend on the phone told me £16!! (works out at 700ish a year)I thought it was a mistake but have been doing it for nearly 2 years now!

Try it I use tempory cover all the time now! your only allowed 125 days of it a year but its better than getting a mogage to pay ur insurance! plus my car only works for that about that much of a year cos it's a ford