Sorry to butt in here, but if you are going to to for an insurance instead of a harder one, I wouldn't go for Kingston, Reading or Brighton. Especially not Brighton...Their Fine Art Painting course seems near-impossible to get onto, even though it isn't ranked as highly as places like UCL etc. I mean...it's in
Brighton, for one thing. Also, if you don't have a foundation, I wouldn't bother because you're basically supposed to have one. They say they under "special circumstances" or something they might consider someone from A-Level, but it's highly unlikely they actually would considering the number of applicants they have that have actually done a foundation.
I'm doing a foundation at the moment, and nearly everyone who's applying for Fine Art has Brighton as one of their five (you know you get five, right? It sounds like you were just thinking of four). I do, too, but I don't expect to get in. Their Printmaking course is apparently a bit easier, because less people apply for it.
Still, my point is that if you are going to apply to an insurance, I'd look at places like Loughborough, Leeds College of Art, Leeds Met, Sheffield, Manchester Met...It all really depends on whether you want to risk not getting offers, like you said. I wouldn't say that every other course is "crappy", though. You can get good courses at less popular places...And in the end, the course will be what you make of it. Someone might get into UCL and do "worse" than someone who went to Loughborough in terms of what they get out of it, depending on how much effort they make.
Anyway, sorry about the semi-rant
I guess if you really want to go to uni next year, add in an easier option or two. If you could stand not getting in and applying again the year after with better work, go for the higher ones.