Insurance Premiums for the 'youngens'

[redm4lc]

Without forgetting the 'young at heart' lot I'm interested in knowing how much some of the ~25years pay for their modified Golfs and what companies you'd usually use?

I'm with Admiral at the minute and they're pretty piss poor. I've got a list of minor upgrades I want to do to my Golf at the minute (alloys,minor trim, tints, stereo etc) and a little worried about my premium spiking. I recently swapped my address with them and found my premium raised by £150 to a staggering £1,050 now (I'm 22)... It's only the 105 BHP Golf as well It's not like it's a bloody GTI or even the 2.0 TDI...

It got me thinking, if I do make any 'significant' upgrades like a remap, how much I can expect it to rise? I know an insurer sponsors the forum - what do they consider as 'modifications'?

[leigh_harty]

Brentacre, as many mods as i like aslong as they are declared (no price hike)

Thats a vr and im 24 paying just under a grand which is HALF what i paid last year

Ps there is an insurance section, this thread will probably get moved soon 

[mcgee9t2]

im 20 pay 1000 on my mk4.

im with admiral and when i declaed coilovers and alloys they only increased it about £30

as for what do they class as a modification, anything that isnt on the car when it rolls out of the factory.

[Mitching]

I'm 21, 2 years NCB, lowered mk2 golf (group 14) renewal price this year was £690 with admiral.

[redm4lc]

im 20 pay 1000 on my mk4.

im with admiral and when i declaed coilovers and alloys they only increased it about £30

as for what do they class as a modification, anything that isnt on the car when it rolls out of the factory.

Wow that isn't bad. What did you upgrade the size from/to?

[Milby]

17 on 1.4 golf se for me is £2400 with LV 

[mcgee9t2]

im 20 pay 1000 on my mk4.

im with admiral and when i declaed coilovers and alloys they only increased it about £30

as for what do they class as a modification, anything that isnt on the car when it rolls out of the factory.

Wow that isn't bad. What did you upgrade the size from/to?

was on standard 15's now its on 17's

[redm4lc]

was on standard 15's now its on 17's

That's promising. I'll give them a call tomorrow and see what they think. Will they just ask for size or some specifics? It's of course entirely hypothetical...

17 on 1.4 golf se for me is £2400 with LV 

Ouch! Funnily enough Kingsclere is where I just moved my address from 

[Milby]

17 on 1.4 golf se for me is £2400 with LV 

Ouch! Funnily enough Kingsclere is where I just moved my address from 

where did you live in kingsclere ?? thats quite cheap i've got friends paying £3800 on his 1.6 VTEC Civic 

[redm4lc]

where did you live in kingsclere ?? thats quite cheap i've got friends paying £3800 on his 1.6 VTEC Civic 

Wowza! That's pretty bad. I lived at top of St. Mary's Road mate, Brimley Hill Court. Had the pleasure of driving past a mk2 convertible each day at the bottom of the hill next to the free car park