Hi, Summer!
My first car was a Motability car, so I can’t help you there. But I bought my first motorcycle (third-hand MZ TS150 in red) in 1983 for the princely sum of £50 plus the cost of a new 125cc cylinder head and gasket, and my Insurance was about £12 for Third Party cover only, because Third Party, Fire and Theft would have cost more than the bike did!