Oh, was just going to be the voice of reason and sense!, when i passed my test at 17, if i had a turbo i would of died, or at least injured someone, and for that matter at 18 aswell, i started off with a heavy peugeot 306 1.4 (very underpowered), kept that for a year, then got a fiesta si 1.6 16v, to me with 90bhp that thing was fast (hah), then back to another peugeot 306 this time 1.6 (still underpowered), and it was during my time with that i realised it wasn't ALL about the top end speed or the acceleration.
Now i have the uno turbo i feel i dont need to drive everywhere (between traffic lights etc) at 200mph! - So im saying stick with smaller engine at least for a year, because in that first year you're going to see/have so many near bumps/crashes you'll be glad of it.
Just to give you a guide aswell, i'm only 21, got the uno turbo at 20, it was £800 third party fire and theft to insure with 2years ncb, then at 21 (last oct) i renewed it was £600 3 yrs ncb. (through Admiral - who i have found to be quite cheap in comparisons).
Hth a bit.
Oh and first car - my peugeot 306 1.4, with alarm etc, insurance 3rd party was £1300.
Shocking. this country takes the pish.