@des Have you had any luck re running car insurance quotes?
I’ve literally just run a quote on a price comparison website on a 2021 BMW X5 M50i, value just over £50k. This is a 4.4 litre V8 car producing well over 500 bhp and is in about the highest insurance group you can get. The lowest 6 quotes were all between £550 and £650 fully comp, including legal protection. They were with known companies as well, including Admiral Platinum cover. You can therefore see that £4.5k premium for an Insignia diesel worth just £6k cannot possibly be right!