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General => Insurance => Topic started by: OllieN on 24 December 2018, 20:33

Title: MK 7.5 Golf GTI Insurance
Post by: OllieN on 24 December 2018, 20:33
Hi All,

I'm looking at getting a MK 7.5 Golf GTI early next year. I was wondering if anyone knew of any good insurance companies? I'm currently 20 but will turn 21 in April the best quote I have had so far is £150 per month from direct line.

I've only gone through comparison sites and Direct Line so haven't done any of the 'smaller' insurance companies.

Thanks!
Title: Re: MK 7.5 Golf GTI Insurance
Post by: ChrisG84 on 24 December 2018, 21:58
I can't imagine that smaller/specialist companies would offer cheaper cover, although they would be more likely to guarantee things like genuine parts, choice of body shop etc.

I'm assuming you've done the usual ticks of adding parents to the policy and increasing the excess where practical?

Title: Re: MK 7.5 Golf GTI Insurance
Post by: hog_hedge on 27 December 2018, 08:01
Adrian Flux, Chris Knott, Sky or Greenlight 👍🏼
Title: Re: MK 7.5 Golf GTI Insurance
Post by: Zachariou1 on 08 January 2019, 21:36
I'm 23 and confused.com had the best choices coming in at sub £1000 annually (MK7.5 PP)
Title: Re: MK 7.5 Golf GTI Insurance
Post by: brettblade on 09 January 2019, 13:37
Adrian Flux, Chris Knott, Sky or Greenlight 👍🏼

+ Brentacre, A-Plan and Performance Direct
Title: Re: MK 7.5 Golf GTI Insurance
Post by: kmpowell on 13 January 2019, 10:31
I use A-Plan brokerage. They always beat the mainstream people by a good couple of hundred pounds. The cover levels are also really good from companies such as Ageas Optima
Title: Re: MK 7.5 Golf GTI Insurance
Post by: Arrius on 18 January 2019, 11:19
You could try fitting a tracker or a black box to lower the monthly premiums. Especially for a new driver, it might work in your favor.
Title: Re: MK 7.5 Golf GTI Insurance
Post by: JACKJJA on 24 January 2019, 10:41
Go-Skippy with my dad on came back the best for me. Comprehensive cover with 18,000miles a year for a few thousand pound less than anywhere else, plus most places wouldn't even give me a quote. One of the only places that would do without a black box too as i'm only 17.
Title: Re: MK 7.5 Golf GTI Insurance
Post by: jaceyboy on 24 January 2019, 18:19
Try Aviva, we pay £150 f/comp but we are 42 :evil:
Title: Re: MK 7.5 Golf GTI Insurance
Post by: jdc0907 on 25 March 2019, 21:58
I’m 24 with 6yrs no claims - fully comp with Admiral for £450 a year, adding parents/other family members just increased the premium for me
Title: Re: MK 7.5 Golf GTI Insurance
Post by: atlasgrey on 13 February 2020, 20:12
As a 40 year old with no claims, I’m surprised at the costs of comparison quotes for Gti tcr insurance, the closest one to my renewal with Hastings (£339) is £130 more and many are £700-1000+

Can’t see anything wrong in the details!  :shocked:
Title: Re: MK 7.5 Golf GTI Insurance
Post by: Panelpin on 01 April 2020, 18:04
Just had quote from saga  , guaranteed  To stay same for 3 years £320.
 With all the options ticked except breakdown cover
Gti pp
Title: Re: MK 7.5 Golf GTI Insurance
Post by: Toeman on 19 April 2020, 10:11
Can’t believe how some of you younger drivers can even get a quote for golf gti  let alone ones in the 4 and 5 hundred fange 
Title: Re: MK 7.5 Golf GTI Insurance
Post by: SRGTD on 22 June 2020, 11:53
Can’t believe how some of you younger drivers can even get a quote for golf gti  let alone ones in the 4 and 5 hundred fange

Insurers use multiple risk factors when calculating premiums and driver age is only one of many factors used. Garaging postcode is a risk factor that can make a huge difference to premium - a mature driver living in a high theft risk area could quite easily pay a higher premium than a younger driver in a low theft risk area.

Lots of other risk factors will also influence the premium; e.g. number of claim free years, other drivers named on the policy, occupation, marital status, annual mileage driven, use of the vehicle, voluntary excess chosen............and the list goes on.

Many people don’t consider the traditional way of buying car insurance through a high street broker these days when buying cover. However, many high street brokers have access to specialist segments of the car insurance market that can quote competitive premiums; e.g. specialist scheme arrangements with some insurers, and / or access to insurers who specialise in insuring performance cars.

Always shop around and shop widely (and wisely) - especially at insurance renewal time, as some insurers ‘buy in’ business in the first year at very competitive premiums, and then apply significant increases at renewal. So never just let your insurance auto-renew, otherwise you could end up paying considerably more than you were paying the previous year.
Title: Re: MK 7.5 Golf GTI Insurance
Post by: Ulysses31 on 02 September 2020, 22:03
Old duffer with full NCB. When I was living in a country village I paid £300 for the year. Now living in a big city it's £800. Which is nice.
Title: Re: MK 7.5 Golf GTI Insurance
Post by: whogives on 09 November 2020, 22:40
Does everyone, tell the truth about there mods on the car. ???   I bet some people accidentally forget...lol 
Title: Re: MK 7.5 Golf GTI Insurance
Post by: Adam T7 on 10 November 2020, 09:20
Have an accident or get it nicked, have a conversation with a Claims Adjuster or Loss Adjuster and all of a sudden your memory will become crystal clear as the Insurance company refuse to pay out - simply not worth it.

I’m in my ‘50’s now but I was surprised that the GTI (new 7.5) was as cheap to insure as it was / is when I moved over from a 9 year old Discovery nearly 2 years ago - initially with Admiral as existing insurer and then on GoCompare, first with M&S and now with Sainsbury’s Bank and who knows who else in 2021👍
Title: Re: MK 7.5 Golf GTI Insurance
Post by: SRGTD on 10 November 2020, 11:21
Does everyone, tell the truth about there mods on the car. ???   I bet some people accidentally forget...lol

Not worth taking the risk IMO.

You might be the innocent victim of, say, a hit and run, so end up needing to claim on your own insurance. As @Adam T7 has said, if your damaged car is inspected by one of your insurance company’s representatives and spots modifications that haven’t been declared, it’ll almost certainly have a bearing on the outcome of the claim. Worse case scenario, they refuse to pay out.

Also, not declaring modifications could invalidate your insurance, meaning you’re effectively driving uninsured which is a criminal offence.