GolfGTIforum.co.uk
General => Insurance => Topic started by: usman78692 on 24 May 2009, 17:40
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Hey ive been recently looking at a Vw Golf mk5 ....i was wondering how much id have to pay for insurance since ive just passed 3days ago .and would it be cheeper if i was second driver of my dads insurance ? if you guys out there have eni advice for me please help im stuck!! :sad:
Volkswagon Golf Mk5 1.6 5dr.
Thanks . . .
"What if i was a second driver of my dads Insurance would it work out cheeper or around the same ?"
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Good luck although if you can afford the car i'm sure the insurance isn't going to be much of an issue. On your own i doubt most would insure you, if they did I would estimate £3k. No idea with you as a named driver.
Best bet would be to use one of the compare site's like confused.com or comparethemeerkat etc
Sam
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If your 17 and can afford to get yourself a MK5 GTI then I'm assuming money isn't an issue with you?
Most company's will just laugh at you and turn you away, if some do decided to take you on you will be looking at anything from £4000 + at a guess.
Complete lunacy if you ask me.
With all due respect you will probably kill yourself with a MK5 GTI as your first car.
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If your 17 and can afford to get yourself a MK5 GTI then I'm assuming money isn't an issue with you?
Most company's will just laugh at you and turn you away, if some do decided to take you on you will be looking at anything from £4000 + at a guess.
Complete lunacy if you ask me.
With all due respect you will probably kill yourself with a MK5 GTI as your first car.
have to agree here with alan even some specialists may or may not insure you as your only 17 :shocked: and looking at a MK5 GTI but if someone will insure you on your own insurance as alan said expect to pay £4k maybe
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i got a quote for one and the cheapest was 6300 quid that was a mark 3 one aswell, though with a years no claims it drops loads so im going to wait another 6 months and then upgrade from my 1.4 to a gti
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Tbh mate your prob best off building your no claims and waiting til 21.
I know what your gonna say to that, the same i said to my mum when she said that lol, but seriously paying that much for insurance is madness, not to mention the power of the car for an inexperienced driver, no disrespect.
I waited and ok i am 25 in june but getting quotes for £400 fully comp on VR6 but only got 2 years NCB and 9 points, (well 3 points on licence but got 6 points 4 years ago so are no on licence)
Thats obviously my view and not my money! lol
Good luck though
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If your 17 and can afford to get yourself a MK5 GTI then I'm assuming money isn't an issue with you?
Most company's will just laugh at you and turn you away, if some do decided to take you on you will be looking at anything from £4000 + at a guess.
Complete lunacy if you ask me.
With all due respect you will probably kill yourself with a MK5 GTI as your first car.
Lol at killing my self . :grin:
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I was actually being serious, but hey ! :)
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I was actually being serious, but hey ! :)
a know ....i might even do due to not ever driven such a powerful car .reconsidering the option to a standard 1.6 replica :) thanks dude .
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You'll probably find that 99% of insurance companies will not quote. The Mk 5 GTi is classed as aperformance car, and use is usually restricted to either 21+ or 25+
If you can get a quote, it'll be £5k or more I reckon. Just to give you a clue as to what you might pay, NU Personal Lines a few years ago quoted for a 17-yr old with no NCD, just passed his test on a Mercedes C180 coupe. The suggested premium? £21000. That was a group 13 car - the Mk 5 GTi is Group 17 so I wish you well... :rolleyes: :shocked:
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Just wait a year or two mate. Insurance for me on a mk5 gti back in december when I got 1 years no claims was £4000.
I opted for a mk3 gti because they are 1 insurance group less, still pretty quick compared to my old 1.6, and the value of the car is less meaning the insurance is less.
In insurance terms, the words 'Golf' 'Young driver' and 'GTI' really do not go well in any combination.
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I think you're already getting the hint :grin:
However, for what it's worth again, my first car was a 1.2 Vauxhall Nova. Worth about £3k. It cost me £1500 to insure it Fully Comp at the age of 18. That stung.
MANY years later, I went to pick up my Subaru Impreza. A young kid turned up with his parents. The salesman wheeled out a brand new P1 Impreza (circa £31k)......
"Happy (17th) Birthday, Son" :shocked: :shocked: :shocked: :shocked:
Took the sheen off my purchase that day, I can tell you!! :grin:
The point being that I went back about a fortnight later to sort something out - the salesman was laughing about *that* sale...... the kid was being charged £5k 3rd party fire and theft......
Get yourself something smaller (potentially with free insurance to build up your NCB) then come back - you'd probably quite easily get something like an R20 at decent money then ;) )
Best of luck either way :)
Dan
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i was quote over £3000 for a mk3 gti 8v at 18 with 1 year ncb with adrian flux, so a mk5 gti i exect well over £5000
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i was quote over £3000 for a mk3 gti 8v at 18 with 1 year ncb with adrian flux, so a mk5 gti i exect well over £5000
Really? :O Im 18 and my 16v was only £1400 with the mods declared :huh:
How much you paying now Khare?
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Imagine all the fanny that lad got at 17 in a P1.
wayne kerr ! :D
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Imagine all the fanny that lad got at 17 in a P1.
wayne kerr ! :D
Could have been a right ugly f**ker though and got none! :evil:
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lol or could have been an ugly f**k*r and got loads because he had a P1.
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Yeah but like most subaru drivers, they would have been 13 yr olds.
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As for being a named driver on your dads policy but it being your car is illegal, it's called fronting. Insurance companies will do you over a barrel with a wire brush dipped in detol what ever car you have as first car.
Good luck
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As for being a named driver on your dads policy but it being your car is illegal, it's called fronting. Insurance companies will do you over a barrel with a wire brush dipped in detol what ever car you have as first car.
Good luck
pmsl
ive said it before but i paid 2400 quid on a mini when i first started out, really not worth it,
think if i had my time again i would get a decent enough car and work on it in prioroty, eg, make it spotless first, then as the years go on start modding it with the cheapest insurance bill.
at least then if ya drive sensibly you'll have a decent car to sell and make money on???
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The 18yr old we have in work was paying £1400 a year for a Nissan Almera just switched to a Focus 1.6 and it has gone up to £1700 I cannot see the point myself.
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For me right now without any NCB being 20 on my own policy it's £1600 to insure an ED30 :P
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For me right now without any NCB being 20 on my own policy it's £1600 to insure an ED30 :P
Thats a bargin tbh. I paid a little less than that when I first got my MK5 at 21 with 0NCB (I fronted my MK4, shhhhhhhhh).
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people saying he'd kill himself if he got a mk5 gti for his 1st car is utter rubbish!! a car will travel as fast as the driver puts his foot down not all 17yr olds are mad loonies! when i past my test i had a tuned mk2 fiesta XR2 with a 200bhp rs turbo lump in it (16yrs ago now) then when i was 18 got a 4x4 sapphire cossie which was running various power stages (270bhp,330bhp,400bhp then 450bhp) upto when i was 21 and im still here! oviously if he drives like a tw4t then he's got it coming but if he had a 1.0 micra and drove like a tw4t he'd still prob kill himself wont he??
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How the fck did you get insurance on those cars !!!!? :shocked:
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people saying he'd kill himself if he got a mk5 gti for his 1st car is utter rubbish!! a car will travel as fast as the driver puts his foot down not all 17yr olds are mad loonies! when i past my test i had a tuned mk2 fiesta XR2 with a 200bhp rs turbo lump in it (16yrs ago now) then when i was 18 got a 4x4 sapphire cossie which was running various power stages (270bhp,330bhp,400bhp then 450bhp) upto when i was 21 and im still here! oviously if he drives like a tw4t then he's got it coming but if he had a 1.0 micra and drove like a tw4t he'd still prob kill himself wont he??
Yupppp! :cool: :cool: :cool:Thanks
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Mind if I ask how you'd plan to fund this? :)
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Mind if I ask how you'd plan to fund this? :)
Mummy + daddy
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Mind if I ask how you'd plan to fund this? :)
Mummy + daddy
You got your answer :smiley:
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i think u shud get yourself a sorted mk1 or 2. super cheap and you will end up loving it to bits. i sold my vr6 last year (when i was 18, paying about 70% of my wages per month on insurance) because i realised that spendin that amount of money was a true waste. get youself a stinker and i guarentee u will love it 10 times as much as the mk5. your first car should always be a good ol' memory of a sh!t heap. I can also assure you in a couple years time when you look back on it, or move out of home n ma n pa wont help you out, you will wish you had saved the dough up. i have been there, and wish i had the £3000 i wasted on the vr to spend on other things.
despite this, havin a mint motor at 18 is the sh!t, i was the coolest kid on the block with my vr :cool:
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As everyone else has said, the most sensible option would be to get something that abit cheaper to insure. Your own policy on a mk5 GTI will be well over 5K, you'll even be getting quotes for double that.
It will DEFFINATLY be cheaper on your dads name, depending on how many years no claims your dads got, you may even get a quote for under £2-£3k, if your mums got alot of no claims stick her on there too! HOWEVER this is illegal, as someone mentioned its called fronting. If you get caught they will void your insurance and it will mean you've been driving without insurance and you'll get 6points and a 12month ban, you'll have to take both tests again too. But thats if you get caught, ofcourse.
Saying this, the insurance on any GTi is going to be expensive, i know how you feel because you've just passed, im only 20 so im still young, there was a time where mummy and daddy paid my way too, i had the best car when i was in sixth form, now im at uni in debt, still got my motor though, but could do with the money. Most normal people will say you should save the money, this is the best option because it will deffinatly benefit you in the future, especially in times like this. But your only going to be 17 once mate and its alll about the way you feel when your driving! - Just saying how i feel!
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im 19 and have a mk4 gti turbo, for me on my own policy it was £3400 for the first year, then i crashed my dads car and then my mates punto and it went up to £6000 so i changed companies to admiral multicar, put my mum and dad on it along with both of there cars for the discount and its still £3200 my advice sell the car as it got me into a mess as i had to pay it all in one go. but im ok now. your 17 dont forget youve got to Tax it and MOT it and put at least £50 a week in its belly to enjoy it..
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^ 'king Hell !!!! :shocked:
Thats some serious dosh.
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eeeeeeeeeeee when I was a lad, 950cc fiestas were the 17 year olds weapon of choice :grin:
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people saying he'd kill himself if he got a mk5 gti for his 1st car is utter rubbish!! a car will travel as fast as the driver puts his foot down not all 17yr olds are mad loonies! when i past my test i had a tuned mk2 fiesta XR2 with a 200bhp rs turbo lump in it (16yrs ago now) then when i was 18 got a 4x4 sapphire cossie which was running various power stages (270bhp,330bhp,400bhp then 450bhp) upto when i was 21 and im still here! oviously if he drives like a tw4t then he's got it coming but if he had a 1.0 micra and drove like a tw4t he'd still prob kill himself wont he??
Some of that is a fair point, but you're more likely to drive like a tw4t in a fast car than you are in a slow one. You're likely to take more chances etc etc. Picture this, 17yo in a mk5 GTI, astra vxr pulls up next to it at the lights, is there a traffic light grand prix ? Yup I reckon. Not the same scenario in a 1.0 micra.
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people saying he'd kill himself if he got a mk5 gti for his 1st car is utter rubbish!! a car will travel as fast as the driver puts his foot down not all 17yr olds are mad loonies! when i past my test i had a tuned mk2 fiesta XR2 with a 200bhp rs turbo lump in it (16yrs ago now) then when i was 18 got a 4x4 sapphire cossie which was running various power stages (270bhp,330bhp,400bhp then 450bhp) upto when i was 21 and im still here! oviously if he drives like a tw4t then he's got it coming but if he had a 1.0 micra and drove like a tw4t he'd still prob kill himself wont he??
Some of that is a fair point, but you're more likely to drive like a tw4t in a fast car than you are in a slow one. You're likely to take more chances etc etc. Picture this, 17yo in a mk5 GTI, astra vxr pulls up next to it at the lights, is there a traffic light grand prix ? Yup I reckon. Not the same scenario in a 1.0 micra.
totally agree with Gibby here, it was only last year when i had my mk5 and i was 25 and exactly the same so a 17 year old just past his test is going to be the same if not worse, the point is proven by the fact that all insurance companies charge mega bucks on small engined cars for first time drivers.
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I drive like a saint in the MK5, no idea what you boys are on about . . . . . . .
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Sounds like madness to me.
I know what I was like when I was 17, I tried to find the 'limits' of my mums 1.8 cavalier whenever I got the chance. Had I had a mk5 or any performance car I would have been dead. You might be a very careful and cautious driver for your age but since you are wanting a mk5 GTI...I think not.
Another thing to consider - and I don't mean any offense - but no one is going to respect or think highly of a 17 year old driving a mk5. They will automatically think either 'daddys car' or spoilt brat.
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Hey mate,
I do agree with what everyone is saying with the "get a less powerful car" but your only 17 once so make the most of it! Im 18 and ive just got myself a MK4 2.0l golf gti 8v, I absolutly love it! put my life a soul into repairing it.
Ive been looking for insurance for ages and im telling you Elephant is the best! out of every quote ive had elephant was about half the price, put yourself as the main driver then add your parents in. Im full comp for £1500 with 1year NC so im not sure if itl be able to do anything for you special for you but its definatly well worth the try!
Good luck mate!
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Im full comp for £1500 with 1year NC
That quote, right there, is another big reason why I would never consider buying a car with any poke when I was 17 or 18. £1500 a year ! Wowser ! :shocked:
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Im full comp for £1500 with 1year NC
That quote, right there, is another big reason why I would never consider buying a car with any poke when I was 17 or 18. £1500 a year ! Wowser ! :shocked:
To be honest gibby, when I first got my 1.8 GL insured it was £1400 cheapest I could find, there was actually no difference between a 1.6 or 1.4 as opposed to the 1.8 so thought why not. I still don't have a NCB until August, but when I do, I can insure a MK3 16v for £750.
Insurance companies are the oddest of them all.
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It doesn't sound like it's changed much though as I didn't look at anything above a 1.3 when I was a lad (a while ago it has to be said) as anything above that just killed you. But yup, see your logic, if it's the same price for a 1.4 then may as well get a 1.8.
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Im full comp for £1500 with 1year NC
That quote, right there, is another big reason why I would never consider buying a car with any poke when I was 17 or 18. £1500 a year ! Wowser ! :shocked:
Ye i know what you mean mate but last year i was paying just over that for a 1.2 clio so realy ive got a far better car for the money and to be honist il respect the Golf far more than the Clio
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i think insurance companies have minumum premiums when it comes to new drivers and what you can insure for what is quite increddible.
i managed to insure a tweeked volvo 360 for the same price a 1.2 nova, nothing spectial till you think the nasty volvo had a reworked 2.3T under the bonnet group 5 insurance :) only cost about £600 a year to insure with the engine declared i went sideways for a whole 11 months before i crashed it
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So your saying you insured a 2.3T engine for the same as a 1.2 . . . . .. ooooooook ;)
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i think insurance is a rip of for young driver i think that u should only be paying big if u crash or get point or do something wrong.
in my eyes not every 17 18 year old drives like a crazy gi on crack lol.
i allways say to my self that i am still in my 1st 2 years and i could lose my licens in a blink of an eye if i was to do something wrong as u r only aloud 6 points.
when i was 17 i had a 1.4 8v vw polo mk4 and i loved the car and drove it like it should. and was paying 1600.
naw i am 18 with 1 years and have just got a quot of 1634 on a vw golf mk4 gti turbo 150bhp.
but on the other hand my m8ts just drive like right loonys and most of them have crashed there cars.
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:huh: grammar, my boy...
Anyway, my first car was an '93 1.4 Vauxhall Nova that was £1,049 to insure TPFT, as a named driver only.
I'm 26 and this my first car with more than 150bhp and in all honesty, I'd be dead if I had that much power just after passing.
Driving is a craft that has to be learnt and to be honest, sometimes a bump or two is part of the learning curve.
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I'm yet to experience an accident, come close a couple of times due to other drivers, but either moved away from them or they corrected their driving to stop from hitting me :)
3 years I've been behind the drivers seat.
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i think insurance is a rip of for young driver i think that u should only be paying big if u crash or get point or do something wrong.
in my eyes not every 17 18 year old drives like a crazy gi on crack lol.
but on the other hand my m8ts just drive like right loonys and most of them have crashed there cars.
well done on contradicting yourself in the same post :rolleyes:
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LMAO :D
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3 years I've been behind the drivers seat.
3 years is plenty of time to learn that bit of craft... you'll know infinitely more than a hormone-fueled 17 year old with 200bhp under his right foot.
Of course, I'm judging others on my once poor driving - and crashing - standards! :embarassed:
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I didnt get my own car til i was 21 and it was a 1.2 Nissan Micra. It doesnt make much sense to get your own car at 17 or 18 imo, the insurance is just stupidly high it's such a waste of money. But to even think of getting a GTI at 17 or 18 just shows immaturity and a complete lack of understanding about road safety, insurance and life in general.
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You say that but if I was 17 and had minted parents who spoiled me / won the lottery / had loads of money for whatever reason I would do it . . . . . . .
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You say that but if I was 17 and had minted parents who spoiled me / won the lottery / had loads of money for whatever reason I would do it . . . . . . .
Exactly
I didnt get my own car til i was 21 and it was a 1.2 Nissan Micra. It doesnt make much sense to get your own car at 17 or 18 imo, the insurance is just stupidly high it's such a waste of money. But to even think of getting a GTI at 17 or 18 just shows immaturity and a complete lack of understanding about road safety, insurance and life in general.
Good for you :afro:
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You say that but if I was 17 and had minted parents who spoiled me / won the lottery / had loads of money for whatever reason I would do it . . . . . . .
Well you could try. It would still be a stupid waste of money imo if you did manage to get someone to insure you. Better to invest in some patience.
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Yeah, but think of all the fanny you would get at 17 in a MK5 GTI lol :D :D :D
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Theres alot of people in this thread that seem to be paying silly money for their insurance. Ive got a 1.3 mk2 and the cheapest qoute ive had was £560 with my mudda as main driver (going to have to change my log book so i aint fronting). Once ive passed my test I aint looking to pay anything over £800 quid, I could try classic insurance but it has to be 20 years old (its 19.5lol).
As for a mk5 GTi at 17, i think your mad, or your parents must be mad, I know a guy who had an m3 at 17 (mummy and daddy obviously). I suppose if mummy and daddy are paying for your car and paying for the insurance, then just milk it, but if you crash, i bet they wont pay it after that.
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If you have just passed your test get a small car, build up some ncb and learn how to drive. passing your test is only the brginning of learning to drive and not the end. I remember it well when you got those plates on people give you a wide berth and you have an experienced driver beside you. Different story when tou take those plates off and go out by your self other drivers will show you no mercy and the bit that takes years to learn is successfully predicting what other drivers and pedestrians are going to do.
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Hmmm, he hasn't got a MK5 GTI. he said he's got a "Volkswagon Golf Mk5 1.6 5dr"..
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I just noticed that, the OP never even mentioned GTI :laugh:
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apart from in the thread title, which appears on every post :lipsrsealed:
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apart from in the thread title, which appears on every post :lipsrsealed:
:grin: :grin: :grin: :grin: :grin: :grin: :grin: :grin: :grin: :grin: :grin: :grin: :grin: :grin: :grin:
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Not a chance fella, I am 19 have been driving since october and if I was to go on my own I'd be paying £4200 on my 1.4 mk3. I got a quote on a mk5 tdi of 8500. I sometimes think, at our age you get shafted on insurance, so you may aswel do it properly and get a decent car haha. It's a 1.6 so you should get quotes. Good luck!