Do not buy any 17 year old a car where you can buy parts in Halfords..... Saxo/Corsa/Clio/106....
I have just bought my 17 year old a Daewoo Matiz... £1,200 Fully Comp (Cheaper than TPF&T) from Elephant (Admiral Group) with no black box........ same company quoted him £3k for a clio.......
Its all about the car... the duller the better.......
We also pay £181.00 per annum TPO for a Lexmoto 125...... from "Scooters and Bikes".... underwritten by Groupama..... the bike was £900 brand new .... FC was £600 + Excess of £500 TPF&T was £400 + Excess of £500...... so either a total loss was + to year one premium...... so, TPO it was....