a vr is never cheap to buy, run and insure... you gotta think about tax at £105 6monthly.... insurance aint ever gonna be that cheap as you're fairly young arent you with a chequered history if i remember correctly.... even with a low milage policy you'll be payin a fair whack.... also you've got fuel to think of and also running issues as over time they do drain ya money even when not used often..... but yeah, some insurers will do limited milage, but normally on a classic car.... and for over 25s... how old are you?