I was in exactly the same situation, I went with co-op with a black box (gps) and got it (for me as main driver) down to £1780 for year. I have 1L E. And my friend who has it got £400 after his first 3 months for good driving.
Hello, I'm James from Doncaster. Have a black 1L Lupo E, and love it. (its my first car) I have put some speakers in the parcel shelf and a kenwood unit in the front. Thanks.