Rip Off Britain - Admiral insurance.

[Lawrence]

You can get 2 seaters that are def not sport cars, a smart car for one, and the older cars make a difference because if you bump a £1000 car it will probably get written off, where as if you have a nice new fiesta or similar, bump that it might cost £5000 to fix but not enough to wright it off, therefor costing more to the insurance company, also as mentioned in my earlier post a 2 seater can only have 1 passenger so only one injury claim also cheaper. As for transferring scooter no claims it probably depends on the company.

It's not damage to your car that's the problem, it's personal injury.  You'd have to do a lot of damage for it to cost £5k to put right (even at insurance repair prices) but a 2mph bump at the lights could quite amount to £5k+ costs per person for "whiplash".

I think the best thing to do as a new driver is get something cheap as possible and insure it TPFT/TPO.  Wait a year or two if possible.