Insurance for which the initial cost is too much? (5)
I believe the answer is:
cover
'insurance' is the definition.
(I've seen this before)
'the initial cost is too much?' is the wordplay.
'the initial' says to take the initial letters.
'is too much?' becomes 'over' (I've seen this in other clues).
The first letter of 'cost' is 'c'.
'c'+'over'='COVER'
'for which' acts as a link.
(Other definitions for cover that I've seen before include "Disguise" , "Extend over (an area)" , "Fielder" , "the point of cricket" , "Lid or shelter" .)