yeah, do the maths mate, you've got 40k cash to spend on a car, yet you can't afford / choose not to pay 3k per year for insurance, you gotta get your priories right mate, how would you like to be out of pocket 40k if your car goes missing/up in flames/ written off, suddenly 3k seems like fuckall yeah?

why don't you get your mum or dad to insure it in there name then add you as a driver, would save you quite alot i suspect

we're all just trying to look out for you as you sound like a dumb kid that hasn't really thought this through, do your parents know you're uninsured? do they care? there's no way i'd let my kids do that (well, when they're old enough to drive, i'm not that old yet )