As said @
charlierothwell ;
avoid fronting at all costs, it is classed as insurance fraud and you can expect a minimum of 6 points and ~£300 fine if they class it as no insurance instead of actual fraud
The truth is that it gets alot easier after the first few years and all you can really do is try and make it easier and cheaper on yourself rather than front
Best advice is to stick an old relative or friend etc with plenty of experiance on your policy and build your own no claims
Its what I did and it cost a fair bit I won't lie but I now have 5 years No Claims protected at 22 and my policy for a Black Gold 182 is just shy of £800 a year fully comp with all the usual extras on and I can mod it to my hearts content without it costing extra*
*until big power is involved.
Edit: also worth noting is that clio's are notoriously expensive on insurance, have a look at the insurance groups to find a lower group car, group 1&2 are the cheapest (iirc classic Mini Coopers are dirt cheap on insurance)
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