Insurance sucks, but cheap if you actually need to use it. Say you pay £1000 for insurance, your car gets wrote off in an accident and so does another car, both worth £2000 each. Insurance company pays out £3000 more than you paid in. Would you rather pay the £0000's per accident?

Try GoCompare as Im sure they saved me £200 on my insurance this year. My Mrs is now put on both my cars as its £50-£100 cheaper per car with her added.