Its the fact its your partner as a named driver. I found quotes suddenly got lower the moment I ticked the 'children under 16' box. I guess they figure you'll drive more carefully with loved ones in the car!
But yes - insurance costs are down to claims on that type of car. If a wave of accidents or thefts started hitting every G-Wiz in the land they would suddenly cost thousands to insure. It means that obscure cars can often be remarkably cheap one year, than stupidly expensive the next.....
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Yz4 - Yz2
DEX210 - Cobra 4210- DEX410
RC10 Team - Manta Ray - RC10T
Mini Trophy - Blizzard - Wheely King
Tz4 - GT24B
BMRCC
Emergency back-up race controller
(but only if nobody better is available)
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