Heh didn't even remember posting that... After that I've realised that actually in the UK the insurances are expensive, but in Finland they are very cheap (well at least comparing to UK).
Just went trough this thread, what a classic, laughing my sides off. I wish we still had JTbo, Kev and Hyper on board, good times.
Forgot you were planning to move to Kerava..well, I'd still avoid it. But of course having the shops near is relevant for old people if you were not planning to drive much. But the views are just miserable in cities.