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This is where you're going wrong. Like I said, comparison websites are only good for a general idea, the final quote will be much cheaper if you go direct to the company. A lot of the cheapest companies don't appear on comparison websites either.
Also, if you haven't already, add someone a...
I got hit with an inflated price this year, did an online quote then phoned up and whinged a bit that it didn't match my renewal, so they honoured the online quote. Bit of a result I thought.
Best tip - don't use comparison websites, they're w*nk and charge you extra. Try Bell/Elephant/Adrian Flux direct on their website if you haven't already. I'm 18 with 3 points and I'm only paying £970 fully comp on a modified 1.2 with Elephant.
The first one is owned by a guy from Stirling, the finish on the bodywork is actually top notch. Rapid wee bus too, I'm sure it was on ITBs before he put it up for sale. I'd have it.
If there's no damage and the finish of the silver is fine, then just give it a rub down with some grey scotchbrite then paint over the top of it. Job done.