A mate of mine just bought an Evo IIV, and got insurance through Shannon's, he's 23. I think if you speak to the right people and somehow show that you're an enthusiast, but a sensible one you can sometimes get around the over 25 rule...He also owns a Volvo S80 (Not with shannons), so that may have helped his sensible driver "image" (Mind you, it's twin turbo and gets absolutely thrashed)......I tried insurance through them ( Also 23) and basically got told to forget it, so i think it comes down to who you get on the phone/modifications/location etc just like the other companies...