Bob, you'll be lucky to get a half-sensible quote on a car like a Focus 1.6. Like you say, it's horrendous out there. I had someone pass their car test last week, owns a 1.3 MkII Golf, cheapest quote £2800 tpft. I've yet to hear of an insurance company who takes biking qualifications into account. As far as I'm aware, Co-op Insurance are working out cheapest for young drivers, but that's still not cheap...