As a 17-year-old male with just (well, soon to be) a newly acquired driver’s license under my belt, I have the privilege of ridiculous car insurance quotes. For a little Volkswagen Golf (1.4 litre), my cheapest quote lies in at £5,000 a year with a slew of more expensive quotes following it (the most expensive being £15,000) – despite the car only being worth £3,000.

If I was to own the car for 4 years, say, it would cost me somewhere in the region of £23,000 excluding tax and petrol. I could either buy the insurance or drive around uninsured in a fleet of 7 VW Golfs – one for every day of the week. Which one would you choose?