I ak thinking of going from the small skoda to the bigger skoda :-) toying with the Vrs have been on the phone to my insurnace and they have quoted me

Sounds reasonable to me, considering your age. You could always try putting your details into confused.com and see what it comes back with.

Difficult to say without knowing all the factors which insurers take into account. Have you had a look at the Insurance forum to see which insurers get a pat on the back from members?

will do mate, what kind of price should i be looking for for a new one with xenons?

Have a look through this thread for insurance:

http://www.briskoda.net/forums/showthread.php?t=11623&highlight=fully+comp