For majority of cars (if you live in an OK area) will be 2k at 17/18, just stump up the cash and pay for it! It will work out better in the long run, plus you will be fully legal!
Look around, Churchill are good for standard cars, Endsleigh are good if your a student.
I did it all properly, paid 2.4k in my first year of motoring (well 2k, but 200 for interest and 200 for a car swap), paid 1600 for a modded car in 2nd year, then changed cars half way through, swapped to Aviva and paying 1k fully comp (was 18y/o and 1ncb) on a 130bhp Ibiza (well more like 150bhp and 270lb/ft)
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Captain Shambles  Theres nothing cables ties and tape can't fix!
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