I live in Holland, your northern neighbor.
The "insurance" you're seeing is probably the
Douane on your cel. The import tax you must pay
when impoting high priced goods into the EU.
I have to pay this on every cel I buy which is
over 50$. It's just the same as the high tax you
pay when you buy a CD or a DVD. It's normal. You
should have realised this.
Sometimes, if you're lucky, they'll charge you
the tax rate for "Artwork" instead of "Cel",
which would be a mere 6% in my case.
I hope this clears things up a bit. Buying cels
isn't a necessity, it's a luxury, and the tax
rate clearly shows this. If you can't afford
them, don't buy them. They are beautiful, but
they are not worth going into serious debt over.