WHAT?!
I pay like the equivalent of £260 a year....what the hell kind of car are you wanting to drive?
You just have to get experience driving. That's the only way to get comfortable.
And I don't know where you live in England exactly, but driving in a urban environment is much more stressful than suburban or rural. I learned how to drive in Indiana, where the population is more sparsely dispersed than the East Coast, and there are a lot of corn fields and lots of free-flowing interstates (similar to motorways). Then, I moved to college, and started learning how to drive in DC. That was extremely frustrating.
So you need to either learn how to drive in the country and work your way to the city driving, or just take the plunge and learn how to drive in the city.