as in a ***** insurance company or insurance for ****** ?
***** insurance company as *****'s only drive M3's with wires hanging from the ignition barrel.
The low premiums reflect the cover restrictions such as no AD cover for drink driving. That will save insurers a lot of money and help keep premiums down which is nice at first but when you're on the receiving end of it - proper ouch when you've gone slightly over the alcohol limit and binned your £20k car & the Police happen to roll by.