That is very good £350 a year for a Learner. I wonder if they understand it.
Learners of Cars are not allowed out on their own and so do less miles and are generally a lower risk. Once they pass their test then the premium goes up.
Give the company a ring and check what it covers. I'd hate o see you wasting money.
Why a new Twizy? Mine is 6 years old and still looks good and currently no work required. So a 1 or 2 year old one might be a better deal. Mine is NOT for sale.
Reliability is very good as it is all very simple. A 2 year old one may still have 2 years warranty left. Also you may get it quicker than ordering one in from France.