The thing with those cars is their popularity with young drivers, so the insurance still wont be cheap enough for you not to grumble at it, beggers can't be choosers though.
As for FC over FPTF there really isn't that much of a differnce, when I was looking for my first insurance the differnce was no more than £100.
On elephant it was actually cheaper going FC, you really should be going FC anyway, you do a lot of backroad driving, which no doubt are going to have farm animals and deer running accross them at night, and they sure as hell aint gunna be able to give you their details after you send them 30 feet through the air.
Backroads also suck for other idiot drivers parking, only yesterday I went over a hill on my local backroad to Falkirk and there was a van and 3 cars pakred on the road with car coming the other way, only doing 60mph and I couldn't stop before the van, so had to slip by the van and between the parked cars, not fun.
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