I was in the same situation last year, i bought a Kangoo, 1.9D with 106k on a W for £1450.
Mine has the 60/40 rear doors, Thule roof bars, 2 sliding doors and a bench seat in the back. This folds flat or fully up to make a half bulk head.
I can use it for two as a small camper sleeping in the bck no bother or can fit four mates and four bikes plus camping gear if we use a tent.
I found insurance no bother at all, little more than my 2L Mondeo at £340 fully comp.
Its the best thing i ever did, it promotes steady driving and i get about 470 miles out of a tank.
The one peice of advice i’d tell you, do get at least one sliding door.