I am from Poland and it's similar there - the difference is negligible. But I am studying in the UK at the moment and the difference is exorbitant - I would pay almost 3000 pounds per year for insuring my 2.0L Peugeot Partner, and my friend who only passed his test few weeks after turning 26 is paying 400 pounds per year for insuring his 1.6L Golf. Just because he is older, and not because he is a safer driver.