So, to sum up your shopping list: Ford Fiesta (older models), Volkswagen Up!, Toyota Yaris, Hyundai i10, and Kia Picanto. That’s your holy quintet of cheap insurance. Pick one. Don’t overthink it.
You’ll survive the first year. You’ll build your no-claims bonus. And then, my friend, you can buy something with a bit of spice. But for now? Embrace the toaster. Embrace the savings. Your wallet will thank you, and your coffee can stay fancy.