I personally find the problem with the tip boxes, is that they are quite boring to drive, personally rarely bother putting mine in tip anymore, if i want to go quicker, ill wait for the kickdown, they dont really like you changing down gears at speed either...I still long for a manual one, just want the feel that iam fully connected to the car.
most who love tip will now argue how good it is, and how some of the quickest VR4s are tip, mainly because there is so many of them.
insurance, last year when i had not long turned 20, was 1100 quid, 21 now, and waiting for my renewal, and thats in a cat a/b postcode, with 2 years ncd at the time