£1200 a year is awful, twice the value of the car. 1.6 isn't a big engine, and this one certainly isn't powerful. It's cheaper for me to insure a Swift GTi, if I could find a cheap one I'd get it. Got quoted £800 fully comp on one. Yea it's only a 1.3, but they're 101bhp, compared to the Astras 80ish and are well more desireable to thieves. Insurance is ridiculous, none of it makes sense. Another example. It's cheaper for my car to be insured as kept on the drive overnight rather than to be kept in the garage or on the driveway. By about £200 and £100 respectively. How does that make any sense?
No it's not, you're perfectly ok to have a parent as the main driver with you as a named. Bit more difficult if you don't live with your parents though.
The thing is, being over 25 doesn't really bring your premium down to a decent level if you don't have any NCB. I was running a 1.6 '96 plate Astra, that was costing me about £1200 for the year. If I had a couple of years NCB, it would have been about £700. It's good to get NCB under your belt as early as possible really if you can.
Escorts will be expensive. I had a 1.4 LX as mt 1st car when I was 19 (long time ago lol) that cost me £1200 3rd party F&T on my own policy. Best way is to get it insured under a parent's name with you as a named driver. Some companies offer no claims for named drivers, but you have to stay with that company to get the no claims on your own policy. Direct Line definitely do it cos I had a policy like that with them.
The theory wasn't too bad for me, I passed it all three times I took it, just a pain I had to do it three times lol. 1st when I passed my test at 19, 2nd time was after I lost my license but I didn't take my practical within 2 years of passing it so you have to do it again, so I did it a 3rd time then did my practical again. Right pain in the arse lol
Congrats on passing chap, I agree the practical is pretty easy. I found the theory harder than the practical each time I took it (3 times in all for the theory, 2 practicals, long story).
Don't worry about not affording insurance, I work full time and a part time job at weekends and I'm trying to sell my car because I can't afford it lol. Blackbox insurance doesn't sound great to be honest.
What cars you been looking for quotes on? Also, how old are you, can't remember if you said before? :S