GolfGTIforum.co.uk
General => Insurance => Topic started by: Deankarl on 22 August 2010, 17:31
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Hi, I'm 17 and looking to get some form of Volkswagen.. I've looked at loads of things over the past year but now its coming to the time where I need to start thinking about what I want to get and sticking with it..
My current options that I've thought of are:
- A golf (mk 1 2 or 3)
- A caddy (mk 1 or 2)
- A polo(mk 1 or 2)
Ideally I'd like a caddy, but I just don't know where to start and whether it would be a possibility insurance-wise.. Can someone please give me pointers as to where I should start and what models of each car to look at? Sorry if the post is a bit vague but I'm really confused and I don't know where to start..
EDIT: What insurers should I look at? Which are generally best for young drivers? HIC don't seem to cover anyone <19 years old..
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cheapest bet would be a polo with the lowest engine possible, just check different quotes on something like go compare to give you a general idea of prices..
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Definately go for the polo maybe a 1.4, cheap to run and look good with a couple of mods. Use all the comparison sites for insurance its going to be expensive wherever you go but that will be your best bet to find the cheapest.
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How much are we looking at for a mechanically sound polo? Not bothered about it looking like a bag of rats, just want it to run.. I'm wanting to learn bodywork skills anyway..
Also, how much would you say a polo will be to insure?
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Been thinking a bit more.. Am I being unrealistic by looking at a caddy for a first car?
It'd be ideal for me because I can just chuck the bikes in the back and go away riding for the day with a friend..
If I looked at getting the lowest spec engine possible with caddies, how much would i be looking at for insurance?
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Your best bet is to start ringing around for some quotes on a few vehicles. You'll probably find that a Caddy may not be the easiest thing to insure first time out as it's esentially a commercial vehicle (albeit a very small one). I would agree that having a Polo rather than a Golf is a better starting point. Dec on here started with a Golf 1.6 Mk2 though and is now on an Audi A3 just 4 years later.
It all depends on what you can afford to pay. Whatever you choose, it will be expensive... :rolleyes: :smiley:
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Haha I've been learning in an A3 s-line.. :D
I'll have a chat to him and see how bad it was for him insurance-wise.. Has anyone seen someone with a caddy as their first car before?
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All im gonna say is my first golf was & still is a mk3 1.4 match and cost me £2000 first year, 2nd year was £1600 and then my latest quote for this year is £1000. Still alot of quid to consider though :cry:
Fuzz
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All im gonna say is my first golf was & still is a mk3 1.4 match and cost me £2000 first year, 2nd year was £1600 and then my latest quote for this year is £1000. Still alot of quid to consider though :cry:
Fuzz
Fook me, how much!! :shocked:
My first car was a mk3 1.4 match and i paid £4750 first year and £380 second year then changed to my Gti for which i'm paying £470 with mods declared.
***EDIT: but that was starting at 19 not 17!
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All im gonna say is my first golf was & still is a mk3 1.4 match and cost me £2000 first year, 2nd year was £1600 and then my latest quote for this year is £1000. Still alot of quid to consider though :cry:
Fuzz
Fook me, how much!! :shocked:
My first car was a mk3 1.4 match and i paid £4750 first year and £380 second year then changed to my Gti for which i'm paying £470 with mods declared.
***EDIT: but that was starting at 19 not 17!
fook me! how much!
first year I started my insurance was £250 TPFT*
* ahem... that was some time ago though!
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i had a 1.4 corsa sport for my 1st car and was £1700 then 3 months after passing my test and 5 months into the policy i changed the car to a mk4 golf 1.8t and it went up by £500 so £2200 in total, just renewd and paid £1800 with 1years NCD. its a big chunk of money i would say so for a polo 1.2 or 1.4. my mate paid £2500ish for a 1.6 caddy when he passed his test at 18 :laugh:
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Need to be getting my save on then really don't i?!
Just started college this week and its a hell-load of work, god knows how i'm gonna squeeze a job in around all this!
Really want a caddy, whats the lowest engine they can have? is it 1.2?
Also, what are the chances of me actually getting insured on a caddy? (With people saying early about it being a commercial vehicle?)
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The 1.6D is the cheapest caddy to insure.
You can insure a caddy as a private vehicle, you just need to make sure you choose your usage correctly. (Social, domestic & Pleasure)
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why 1.6D? is that the lowest capacity?
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No, it is the lowest powered. In general a 1.8 diesel is the same amount to insure as a 1.3 petrol.
It only starts getting complicated if you find a turbo.
The 1.6D works out being cheaper to insure than the 1.0 petrol.
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All im gonna say is my first golf was & still is a mk3 1.4 match and cost me £2000 first year, 2nd year was £1600 and then my latest quote for this year is £1000. Still alot of quid to consider though :cry:
Fuzz
Fook me, how much!! :shocked:
My first car was a mk3 1.4 match and i paid £4750 first year and £380 second year then changed to my Gti for which i'm paying £470 with mods declared.
***EDIT: but that was starting at 19 not 17!
fook me! how much!
first year I started my insurance was £250 TPFT*
* ahem... that was some time ago though!
Yeah typo there! Was menna be £450 :laugh: :embarassed:
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*snip snip*
Yeah typo there! Was menna be £450 :laugh: :embarassed:
still nice and cheap, how long ago was that?
Also, does anyone have a reg number of a 1.6D caddy i could use to get a quote?
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Company suggestions? :smiley:
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Admiral!
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at 17 you need four jobs to insure a car these days unless papa or mama are rich!! :grin:
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Directline!
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I think Quinn have gone into receivership and are not allowed to write new business.
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i went with quinn first year with a 1.4 mk3 golf and it was £1400, just got my 1 year ncb and upgraded to a mk2 1.8 driver, renewal from quinn (as they are taking on new business once again) is £1250 which is miles cheaper than anyone else.
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Word of warning, don't actually buy a car until you have a fully valid insurance quote - One that has any mods declared and is 100% honest.
I know a lad who just bought a mk3 polo, a lot of cosmetic mods and a different 1.3 engine as well as some other stuff.. Put loads of work into it before he passed his test at 17. Came round to sorting insurance out and it was sky high so he's sold it on.
I paid £1250 4 years ago to insure my 1.4 ibiza at 17.. Now at 21 I'm paying the same amount to insure a 16v mk2 golf with a few basic mods! :(
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i'm 19 with a Mk5 GTI DSG 06 and am insured with admiral multicar (3 cars on policy), i pay under 1500 a year which isnt bad for a 19yr old on a GTI
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Is that in your own name?
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Is that in your own name?
the car or the insurance :shocked: you must have a good job. im in 38 and just got my first gti :sad:
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Has to be a golf 1.3 mate, I'll post pics of mine. I'm 22 with 1 years NCB and even with mods insurance isn't too bad! It's alarmed now too so that helps a little.
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My son is 17 and I bought a MK2 1.6 driver for him @ £360.00 (Ebay) and we have insured it for both of us (so he's a named driver).
I had a policy that I was not using which had 9 years NCB and he found that Coverbox was the cheapest coming in at £980.00 Fully Comp... With this they also fit a tracker so they can see when & where he is driving and if he does more than the stated 10K a year it will go up in price but if he does less mileage it will come down (Very Little I Guess)...
He has had a claim already and they are paying us £900.00 to get it fixed and arn't listing it as a Cat C or Cat D.... :cool:
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I'll post some pics of my MK2 Golf mate, (Ken - maybe put some of your sons on here too, although they're almost identical lol).
Really think a Golf is the way forward! 1.3's seem a lot rarer, especially in decent colours (If I didn't have a red one I'd want a white one) but there's a few drivers about and as Ken said, they're not expensive to buy or run!
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I'll post some pics of my MK2 Golf mate, (Ken - maybe put some of your sons on here too, although they're almost identical lol).
Really think a Golf is the way forward! 1.3's seem a lot rarer, especially in decent colours (If I didn't have a red one I'd want a white one) but there's a few drivers about and as Ken said, they're not expensive to buy or run!
They also look like a GTI which gives it more street cred... All you need is a GTI Front Grille (£10.00 off ebay)... and a GTI rear tail gate glass with spoiler, some BBS RA's and then it looks like a proper GTI... Then if money allows stick on some GTI springs again cheap enough when peeps do upgrades etc... I fitted my old springs to his car!!
The performance of a driver is pretty good too!!
My lads Driver in front & My GTI behind...
(http://i987.photobucket.com/albums/ae358/LeS2Audi/Golf/james-bbs-3.jpg)
(http://i987.photobucket.com/albums/ae358/LeS2Audi/Golf/james-bbs-4.jpg)
(http://i987.photobucket.com/albums/ae358/LeS2Audi/Golf/james-bbs-8.jpg)
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Im got a quote of 10k for 1.3 mk2. that was me as policy holder, mum and dad named drivers. TP :sick:
and when i was a named driver, they were unable to quote!!! ...currently im with tesco, under my mums name on a corsa...anyone recommend where to go from, reguarding the mk2 golf
and im 18 btw
cheers
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Coverbox as I posted earlier in this thread!!
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Been on comparison websites mate? Hastings Direct came up cheapest for me, but also try GSI Insurance (not on comparison websites) as their quotes are very veyr hard to beat, and if you do manage to find better they'll do all they can to match it!
EDIT: Just realised thats a bit of a re-post mate! :undecided: "Soz"
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Dont go with Admiral there a bunch of tossers!! an uninsured unlicenced bimbo crashed into my old Tigra and my OLD insurance company (Admiral) payed out!!! shocking,also when i
got the golf and told them it had a cobra alarm instead of my insurance going down they put it up saying it was a modification. :angry:
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Dont go with Admiral there a bunch of tossers!! an uninsured unlicenced bimbo crashed into my old Tigra and my OLD insurance company (Admiral) payed out!!! shocking,also when i
got the golf and told them it had a cobra alarm instead of my insurance going down they put it up saying it was a modification. :angry:
That's f*cking ridiculous!!!!
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Tell me about it, i told them that if they were goinng to pay out i will change insurance companys, so they demanded the rest of my insurance money upfront for the rest of the year.Im now on my dads traders insurance ( a bit dodgy i no and i wont be building up any NCD but hay ho )
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my cheapest quote on a 1.0 polo coupe is £990 with admiral, £50 extra for fully comp, i'm 18, license held just over a year with 0 NCB, both parents on policy, mileage at 5,000
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Tell me about it, i told them that if they were goinng to pay out i will change insurance companys, so they demanded the rest of my insurance money upfront for the rest of the year.Im now on my dads traders insurance ( a bit dodgy i no and i wont be building up any NCD but hay ho )
Nice, won't be going near them then as I've just fitted an alarm and not havin all that fuss!
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Dont go with Admiral there a bunch of tossers!! an uninsured unlicenced bimbo crashed into my old Tigra and my OLD insurance company (Admiral) payed out!!! shocking,also when i
got the golf and told them it had a cobra alarm instead of my insurance going down they put it up saying it was a modification. :angry:
Was your alarm fitted by an approved fitter?
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Dont go with Admiral there a bunch of tossers!! an uninsured unlicenced bimbo crashed into my old Tigra and my OLD insurance company (Admiral) payed out!!! shocking,also when i
got the golf and told them it had a cobra alarm instead of my insurance going down they put it up saying it was a modification. :angry:
Was your alarm fitted by an approved fitter?
Mine wasn't, but it'll still massively drop the chances of my car being had away by some f*cker. I suppose the problem with it not being an approved fitter is how do they know it works? Fitted could be classed as wired up to the battery without a sensor in sight but to call it a modification is ridiculous and in my opinion, a ploy to tuck people up!!
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Well you've altered the original nature of the car. Hence modifying it. If it wasn't a registered fitter then (I'm not saying you have) the safety of the could be compromised if it hasn't been fitted properly. The alarm in my Mk2 hasn't been fitted correctly and the bastard thing goes off anytime it wants - making it a hell of a lot more noticeable in a car park - and then it doesn't go off when it's armed and you open a door.
Will be getting my 6i606 fitted by an thatcham approved fitter when i get around to it.
From an insurance perspective, I can see why they'd put the cost up.
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Is that in your own name?
In my name and with me earning the NCB which is now at almost 3 years considering i turned 20 recently. I had a Honda Civic 1.8 before which was cost around 1800 to insure with Directline and their 'multicar' discount so the GTI is a bargain!
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Im not sure, it was already fitted when i got the car, tho its got a signed certificate, not sure if that means owt tho.
I've just watched yesterdays watchdog and Admiral were on there for ripping people off :rolleyes:
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Hi, I'm 17 and looking to get some form of Volkswagen.. I've looked at loads of things over the past year but now its coming to the time where I need to start thinking about what I want to get and sticking with it..
My current options that I've thought of are:
- A golf (mk 1 2 or 3)
- A caddy (mk 1 or 2)
- A polo(mk 1 or 2)
Ideally I'd like a caddy, but I just don't know where to start and whether it would be a possibility insurance-wise.. Can someone please give me pointers as to where I should start and what models of each car to look at? Sorry if the post is a bit vague but I'm really confused and I don't know where to start..
EDIT: What insurers should I look at? Which are generally best for young drivers? HIC don't seem to cover anyone <19 years old..
I have a Mk4 Golf 1.4 I'm 18 and its 3800 with tesco :D
Heff