Surely you won't be earning no claims by only doing monthly policies so the insurance won't go down next year. For my 1st year I went under my dads name then for 2nd year used Quinn direct in Ireland, they was really good, let me insure my 1.4 escort and want bothered about mods. I had all sorts done to it, when someone hit it they just said keep the car to take the bits off and the other company paid out the price of the car.

2nd year I got a 2wd staph cossie. I paid 1700 at 19 years old. But that was through a company in guernsey, all legally insured but a hell lot cheaper than any English ins company.