Be careful not to judge insurance based on price. A number of people i know boasted about elephant and admiral being the cheapest but they proved very unhelpful and would not pay out on claims, coming up with stupid excuses not to pay. Although one of my mates did get a pay out, he had to go to insurance watchdogs because they just wanted to get out of paying. I have just bought my ST and waiting to pick it up. I went with churchill and paid £1160. I am 24 years old, I have made 1 claim in the last 3 years and because i had to stop driving in 2006 on medical grounds, i have no discounts for no claims. So not a bad price really. Also, I crashed my 05 plate focus in early 2006 cos of a blow out and it was a write-off and churchill paid out £8000 within 3-4 weeks. Quality service and their people were really helpful and friendly. So i recommend you try a quote from them.