GolfGTIforum.co.uk
Model specific boards => Golf mk3 => Topic started by: tobybrennan on 02 June 2009, 22:34
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is unhappy with his choice in buying an 8v 1.6
i really do wish that id brought a 16v GTI, so much more about them, but insurance is such a problem.
So i'm probably just going to wait a while and save:)
The 16v GTI is group 16 :) so no good for a 17 year old ayy:)
but hopefully be getting one soonish, its not that mine isnt fast, cause its fairly nippy, just guess it has nothing on the 16v:)
ah well we all have hopes ayy;)
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is unhappy with his choice in buying an 8v 1.6
i really do wish that id brought a 16v GTI, so much more about them, but insurance is such a problem.
So i'm probably just going to wait a while and save:)
The 16v GTI is group 16 :) so no good for a 17 year old ayy:)
but hopefully be getting one soonish, its not that mine isnt fast, cause its fairly nippy, just guess it has nothing on the 16v:)
ah well we all have hopes ayy;)
think this should be in chat nonsense.. and have to say at 17 you dont know what nippy is! :lipsrsealed:
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nah you're right mate
i probably don't, but having a 98' 1.2 clio before
feels a lot different:)
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only got to wait a year, do a few choice mods that can be transfered, and then when u can, get the car u want.
I came back to the uk at 19, got into dubs, and worked a job to save up for my gti. Much better when u wait for it ;)
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yeah i'll only do mods i can undo:)
yeah i suppose thats the best of it:)
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id rather drive a slow nice looking car than a fast one that looked crap due to spending all my money on insurance though..
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Not a real issue in starting with a GL, Shadys is a 1.6 or 1.8 GL which with a few choice mods and nice wheels looks stunning as and when he switches to a GTI he can transfer all the parts over apart from the wheels.
We all have to start somewhere.
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dude im 18, got an 8v gti and paying 1550 TPFT. Not bad for an 18 year old i reckon! I cant find insurance on a 16v though, only 16v mk2, not mk3, so i reckon you shall be waiting a while before you can drive a 16v.
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id rather drive a slow nice looking car than a fast one that looked crap due to spending all my money on insurance though..
+1.....and im 32 :grin:
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and i thought mine was bad at £450 fully comp lol
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i've only had my license 3 years im 23 and i pay £650 fully comp on my 16v so not too bad
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I bought my valver as my first car after passing my test, never regretted paying 1600 a year third party only on it.. Now it's 400 full comp on Admiral multi-car, my SEAT leon tdi is more expensive to insure for some reason!
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and i thought mine was bad at £450 fully comp lol
£320 fully comp with protected no claims
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for me on a 1.6 GL
£800 thats third party, with 1 year no claims:) and my mum main driver:)
rape ayy
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after a year for a mk3 8v or 16v was £1500. mk2 8v was the same but vr6 and mk2 16v was like £2500!
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oh my god i feel old., my insurance for both me and the good lady is just £184. :undecided:
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3yrs driving, but no no claims. my 16v is only £740 Fully comp. Its all about Bell insurance :D
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1.8 GL here, you know what my car looks like, low and slow, and now broken lol!
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im 19, 2 years with my licence, just in the process of getting rid of my 1.4 which i got down to £650 TPFAF on insurance. However i baught a 8V GTI on monday, and changed insurance companies and now have the GTI insure for just under £700 TPFAF.
It pays to shop around with the insurance, and to try playing around with the quote. My job doesnt really have a name in there forms, but by changing it from one possible thing to another i saved nearly 300 quid, then adding my mum and dad, lowering anual milage from 9000 to 8000 and with admiral doing a 10 month stint instead of 12 (to gain NCB quicker), all that resulted in the price going from £1600 to £680!
Although i have driven alot quicker cars for work, such as the cupra r 20vt, the performance from the 8v is more then adequate even though its not really that fast!
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oh my god i feel old., my insurance for both me and the good lady is just £184. :undecided:
you must be old with a quote like that lol :lipsrsealed:
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fully comp £225 :smiley: 16 valve mk3
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I must be even older then, £168 fully comp protected for me and the misses on an 8v gti, 16v was only just over £20 more but all I looked at where either sheds or very overpriced!
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i win! mines absolutely free!! :grin:
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i win! mines absolutely free!! :grin:
How come??
I am 33 with full ncd on the Golf I was paying £490 fully comp with all mods covered now with the AA and am was paying £169 fully comp on the Bmw
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for me on a 1.6 GL
£800 thats third party, with 1 year no claims:) and my mum main driver:)
rape ayy
Isn't that what is known as 'fronting' ?
Sticking your mum on there as a MAIN driver, to get your own insurance premium down, however you're actually the main driver?
I'm 18, had my license 8 months, got 1yrs ncb, and for my Mk3 Golf 1.6 I'm paying £485 a year.
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Oh and just to annoy you even further.. in 4months time, I can insure my VR6 Highline for 1200 quid a year, go me :grin:
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for me on a 1.6 GL
£800 thats third party, with 1 year no claims:) and my mum main driver:)
rape ayy
Isn't that what is known as 'fronting' ?
Sticking your mum on there as a MAIN driver, to get your own insurance premium down, however you're actually the main driver?
I'm 18, had my license 8 months, got 1yrs ncb, and for my Mk3 Golf 1.6 I'm paying £485 a year.
Yes it is and insurance companys are getting funny about these days.
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always wanted a golf gti, always heard good things about them, and as mines a P Reg and only done 60thow, i'm very happy with it, just its only a 8v.... but i love it all the same :)
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and i thought mine was bad at £450 fully comp lol
£320 fully comp with protected no claims
Ditto, that's for my 96 5dr GTI
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for me on a 1.6 GL
£800 thats third party, with 1 year no claims:) and my mum main driver:)
rape ayy
Isn't that what is known as 'fronting' ?
Sticking your mum on there as a MAIN driver, to get your own insurance premium down, however you're actually the main driver?
I'm 18, had my license 8 months, got 1yrs ncb, and for my Mk3 Golf 1.6 I'm paying £485 a year.
How have you got 1NCB when you've only had a license for 8 months?
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I pay £1400 with HIC on a mk3 8v, 1600 with the interest for pay monthly.
20 years old, 2 years driving, 0ncb, 1 crash, mods declared such as exhaust, lowering etc etc.
Pretty gash but o well, my own fault for binning my last car! lol
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for me on a 1.6 GL
£800 thats third party, with 1 year no claims:) and my mum main driver:)
rape ayy
Isn't that what is known as 'fronting' ?
Sticking your mum on there as a MAIN driver, to get your own insurance premium down, however you're actually the main driver?
I'm 18, had my license 8 months, got 1yrs ncb, and for my Mk3 Golf 1.6 I'm paying £485 a year.
How have you got 1NCB when you've only had a license for 8 months?
POssibly as he was insured with a provisional license for 4 months?
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Does that count?? If so I should have a year no claim already lol! But what doesn't make sense, is unless he was with Direct Line (or someone who offers named drivers a NCB) then he wouldn't have a NCB unless he was the main driver on a provisional license...in which case, I don't know if that's allowed?
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3yrs driving, but no no claims. my 16v is only £740 Fully comp. Its all about Bell insurance :D
u no, im only 18 n i gt a 16v and i pay £1300 plus it was only £39 so i can drive any car!
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3yrs driving, but no no claims. my 16v is only £740 Fully comp. Its all about Bell insurance :D
u no, im only 18 n i gt a 16v and i pay £1300 plus it was only £39 so i can drive any car!
I done this, wait till u have to have a claim.
Bell give cheap quotes to youngsters knowing they wont declare mods etc, and they will find a way out of paying.
They are twits. But very cheaper for good cars.
I will only insure with enthusiast companies from now on.
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i havent really gt any mods, but ive been driving scince dec 07, when i first got the car in november it was £6000 because i was 17, waited a few days then got another quote and it was £1300, admiral is quite cheap aswell. i tryed to get with HIC but they sed i have to be 19
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I'm with elephant, 400quid me and me girl on it... I'm 25 shes 23... on a 8V gti
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:lipsrsealed: http://www.golfgtiforum.co.uk/index.php?board=53.0
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for me on a 1.6 GL
£800 thats third party, with 1 year no claims:) and my mum main driver:)
rape ayy
Isn't that what is known as 'fronting' ?
Sticking your mum on there as a MAIN driver, to get your own insurance premium down, however you're actually the main driver?
I'm 18, had my license 8 months, got 1yrs ncb, and for my Mk3 Golf 1.6 I'm paying £485 a year.
How have you got 1NCB when you've only had a license for 8 months?
I know that some insurers offer earlier available NCB on some policies, normally they're after 10 or 11 months though to help new / young drivers build them up quicker. I can't say i've ever heard of 8 months though.
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£950 fully comp 19yrs old mk3 gti 8v quinn direct
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Shady, as Mike correctly pointed out, I was insured for 4 months on a provisional license, and then 8 months on a full license, making up the 1yrs no claims. That's my own policy, in my own name, with Quinn direct. Nobody as named drivers either because I don't have a mum and my dad has 3 cars of his own :smiley:
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Fair enough mate, just seems odd insurance companies would do that, as as a provisional driver, you obviously need another driver who's experienced etc, and that means potentially someone could get a provisional license, start up insurance without driving and build up a NCB, a flaw in the system lol!
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Fair enough mate, just seems odd insurance companies would do that, as as a provisional driver, you obviously need another driver who's experienced etc, and that means potentially someone could get a provisional license, start up insurance without driving and build up a NCB, a flaw in the system lol!
not really because u will b paying for insurace but not driving and wasting money.
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Fair enough mate, just seems odd insurance companies would do that, as as a provisional driver, you obviously need another driver who's experienced etc, and that means potentially someone could get a provisional license, start up insurance without driving and build up a NCB, a flaw in the system lol!
I did the same when I started driving, I was paying £690 tpft back in 1996 for my Mini, did not know you could do it but had to as I took my driving lessons and test in my own car.
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Fair enough mate, just seems odd insurance companies would do that, as as a provisional driver, you obviously need another driver who's experienced etc, and that means potentially someone could get a provisional license, start up insurance without driving and build up a NCB, a flaw in the system lol!
not really because u will b paying for insurace but not driving and wasting money.
But also, that person who is learning wouldn't be out all the time in the vehicle, only when supervised, that could be just once or twice a week, so insurance companies would be giving out no claims where the driver may have very little experience. That's my point lol!
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Yeah I can see what you mean dude.. it's like I sold my Golf 1.4 Ryder, and then bought my Golf 1.4 SE the next day and swapped the insurance over straight away, but my 1.4 SE didn't actually get mot'd & taxed until 2 weeks after I bought it, so I wasn't out on the road in those 2 weeks.. yet my no claims was still adding up lol..
I suppose it could be seen as a way of cheating, you could insure your car for a year, and go into hibernation, then at the end of the year you'll have a years no claims.
Oh and when I was learning to drive, I went out in my car every day of the week.. I was addicted to driving lol.. now I've passed my test, I can't be bothered :grin:
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Yeah I can see what you mean dude.. it's like I sold my Golf 1.4 Ryder, and then bought my Golf 1.4 SE the next day and swapped the insurance over straight away, but my 1.4 SE didn't actually get mot'd & taxed until 2 weeks after I bought it, so I wasn't out on the road in those 2 weeks.. yet my no claims was still adding up lol..
I suppose it could be seen as a way of cheating, you could insure your car for a year, and go into hibernation, then at the end of the year you'll have a years no claims.
Oh and when I was learning to drive, I went out in my car every day of the week.. I was addicted to driving lol.. now I've passed my test, I can't be bothered :grin:
yh but all the money you could save and put towards you quote without 0 no claims, the insurance companies will be gaining either way
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for me on a 1.6 GL
£800 thats third party, with 1 year no claims:) and my mum main driver:)
rape ayy
Isn't that what is known as 'fronting' ?
Sticking your mum on there as a MAIN driver, to get your own insurance premium down, however you're actually the main driver?
I'm 18, had my license 8 months, got 1yrs ncb, and for my Mk3 Golf 1.6 I'm paying £485 a year.
no my mum is actually the main driver:)
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For your mum to be the main driver, that must mean the car doesn't belong to you and is not in your name?
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no its in her name
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I honestly can't see the logic behind putting a car in someone elses name to insure. Yes initially it'll be cheaper but by doing this you never build up your own no claims bonus therefore when you want to get your own insurance you're still at square one. That coupled with increasing policy prices year after year just equates to a massive bill for car insurance been put off. What's the point?
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good point yeah
but i do build up no claims!