But still £90 on an S2 RST equates to £1080 fully comp for 12 months and if you paid if in one lump sum it would've been cheaper!

Which insurance company gave you that quote? Is their registered trading address on the planet Zog because they'd have to be absolutely off their fucking trolley to give you that quote

I couldn't get a quote less than 4k as a named driver on a FRST when I tried a year or so ago.