if your heart is set on a Golf Gti then wait untill you can get one or pay that little bit extra for the insurance. I had the same problem a year ago, i ended up buying an Audi A3 2.0TDI Sport, beautiful looking car, was nice to drive and ok for fuel economy. But it lasted for 6months because i wanted a Golf Gti, everytime i saw one drive past i was envious and it made me hate the Audi more and more each time i saw a Gti. I wish i just bought the Gti and spent that little bit extra on insurance.