I have considered asking MO about a possible bypass on the Under 25 scheme for a Ford Focus. There’s one at my local Ford dealer with some tasty savings that fits all my criteria, but the Focus has 123BHP, just 3BHP over the limit, but still fits under the Insurance Group 16 rule. Has anyone seen or heard anyone be able to bend the rule book on the U25 policy? It’s a similar story with the VW Golf 115 TSI which is 115BHP but 1 insurance group too high.