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You have a point there mate....though if someone can justify paying over £1500 to insure a clio thats up to them IMO...personally i wouldn't pay over £1500 to insure a clio as i'm only paying £1240 a year on my 182 at 21 which isn't bad considering i was paying £930 for my 1.2 16v Dynamique....
Goodyear winter.
Toyo summer.
Tried both on my dynamique....though exalto's on my 182, can't really say too much as i only got i last month and the roads have been wet/icey all together....