It is what it is and we all under a cap for bhp in some way.. It is just the way insurance is you may have 3 years NCD but insurance until you 25 is higher and some companies won’t employ you driving until you over 25. simply for cheaper insurance costs, which increases there margins..
It’s been that way since i started driving back in 1990, 30 years now and i don’t see it changing. My first car was worth zero really and insurance was over a grand a year, third party only not even fire and theft..
It was a 1.6l honda accord less than 100 bhp but was pretty quick for the day..