Okay.. Here we have bonus system. I have -55% bonus because 10 years of accident free driving so far Rs turbo insurance is based to normal 1.6 mk4 escort so it is something like 400€ /year (i think 320£) -55% and then you can take optional crash,fire etc insurance. Tax is 70-75€ / year. Road tax is based to vehicle total weight. 2001 onwards road tax depends your car co2 emissions. My BMW 325i E46 2003 road tax is 185€ / year 204 g co2.