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    (Original post by TheMoreILearn...)
    I sympathise but as has been mentioned previously the vast majority of it is to cover the risk of you crashing and writing-off a £50k merc or similar. Cars like an Audi do incur an extra premium because new drivers generally can’t handle them and are more likely to crash, especially if engine size is over 1.5

    Have you looked at insurance that comes with a black-box? It may help. Also, do go through the cash back websites

    Oh it does get better, the annual insurance on our 4 cars comes in at under £500 a year in total including 255bhp mid-life-crisis in the garage.
    The quote with a black box doesn't improve much tbh. I might as well pay a few hundred extra and have a much nicer car, even if it means dealing with a black box for a year or two. Which cash back websites are you referring to?
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