I suggest you phone round several vets in your area and ask their prices, as they can vary not only from town to town but from practice to practice.
As a very rough guide, spaying a bitch costs in the region of �100 - �200 depending on size, initial vaccinations are approximately �40 - �60, and microchipping at the vets in the region of �25 (although this can be done a lot cheaper, look out for special sessions held at your local pet superstore, or phone some local animal rescue places who often do it much cheaper - sometimes around �10).
Insurance does not cover these things, but is a good idea to have as even a small accident or emergency can soon run into hundreds of pounds.
Good luck with your bitch - what breed have you chosen?