Jeez - don't know how you two are inputting your details but I'd be amazed if you could get insurance on a zed for £2000 at 18 (or 19).
Even allowing for the gender directive - which stopped firms discriminating against young male drivers even though statistically they have the most accidents - I can't see that £2k adequately covers the risk...and then there's those aftermarket wheels, exhausts....
Please believe I'm not trying to be an @rse or a killjoy - but if you don't disclose all relevant facts to an insurer - not just the ones that they ask for, you are storing up problems and leaving yourselves open to having your cover voided in the event of a claim - which could be potentially ruinous to you.
To be honest I think you're being a bit cynical. 4 years ago I got a Z at 20, all mods declared and I paid £1800. The value of the car was higher then too (obviously!) and there weren't as many younger drivers either. I had one parent as a named driver and I didn't need a black box installed, it was through admiral too. I'm still with EUI group (Admiral, Elephant, Diamond, Gladiator, Bell) now and it's gone down nicely each year, just buy alternating between Admiral and Elephant, the service I've had from them has been amazing too.
You're an arse sometimes