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?