Insurance renewed today with Prestige, same price as last at £606. I have business insurance and this covers me for 30,500 miles, all mods declared of course. That it didn't go up was a main reason for me simply renewing this year.
Also I spoke to Toyota Finance about clearing the balloon payment of £8800, they told me that Toyota would be making a withdrawal for the final amount automatically on the 28th January, so whilst I could pay it today, I'd have to inform my bank to sort out the attempt to withdraw the money on the 28th which would still happen even if I paid it today! So I opted just to let Toyota draw it in three days time.
Then the car will be mine, save for a £7K personal loan!