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General => General discussion => Topic started by: Dizzie on 13 February 2005, 00:46

Title: Stupid insurrance
Post by: Dizzie on 13 February 2005, 00:46
I just got a quote for a 1 litre mk2 for the missus as she's starting to learn to drive.

This is a 1984 3dr 1.05L mk2 valued at ?200

For her to insure it it's ?830
for me to insure is with her named it's ?830
for me to insure my 20vT mk2 (valued at ?6000) it's ?650

Where's the logic in that! I know i have 2 years ncb and all that, but mine's value is 30 times higher and the engine puts out probably 5 times the BHP lol.

No wonder learners all go on their parents insurrance!
Title: Re: Stupid insurrance
Post by: Overseer on 13 February 2005, 11:12
shop around :/

i've always got best quotes from privilege.. but YMMV
Title: Re: Stupid insurrance
Post by: Dannyd on 13 February 2005, 12:47
the joys of being over 25 with full ncb the downside is grey hair loads of kids and a house!! :grin:
Title: Re: Stupid insurrance
Post by: Overseer on 13 February 2005, 14:38
over 25 (ish) with grey hair.. i'm 29 and still not goin grey! (and no i'm no gonna go bald!)

must be the kids  :cool:
Title: Re: Stupid insurrance
Post by: Dannyd on 13 February 2005, 16:41
i never said "ish"
Title: Re: Stupid insurrance
Post by: tinman on 13 February 2005, 18:10
I just got a quote for a 1 litre mk2 for the missus as she's starting to learn to drive.

This is a 1984 3dr 1.05L mk2 valued at ?200

For her to insure it it's ?830
for me to insure is with her named it's ?830
for me to insure my 20vT mk2 (valued at ?6000) it's ?650

Where's the logic in that! I know i have 2 years ncb and all that, but mine's value is 30 times higher and the engine puts out probably 5 times the BHP lol.

No wonder learners all go on their parents insurrance!

the logic is very simple - they know what you are trying to do.

its a false economy to use your parents insurance from the start. take it on the nose and start building the ncb.
Title: Re: Stupid insurrance
Post by: Overseer on 13 February 2005, 18:15
i never said "ish"

i did :P

shoulda checked your profile.. i see ya 31.. how long do i have left?  :cry:
Title: Re: Stupid insurrance
Post by: Tufty on 14 February 2005, 22:34
that pish cheap. ive insurance of ?2776 to my for a mk 2 driver and that is the joys of livin in N. Ireland for you. id love the insurance of ?650 on a 20v T.
Title: Re: Stupid insurrance
Post by: BobbyT on 15 February 2005, 20:38
i got banned once and now pay ?1400 on me mk1 gti, thats 3rd party! not good! fair one i shouldn't have been a naughty boy in the first place!
Title: Re: Stupid insurrance
Post by: G6dub on 16 February 2005, 10:53
My 1.3 GT Polo cost me more to insure than the Limited!
Insurence is stupid!
Title: Re: Stupid insurrance
Post by: Dizzie on 16 February 2005, 12:57
having a 2nd car should make your original one cheaper I think. at the end of the day you can only be driving one at a time!
Title: Re: Stupid insurrance
Post by: gibby on 16 February 2005, 15:41
But twice the chance of one getting nicked !  :wink: :wink:
Title: Re: Stupid insurrance
Post by: Dizzie on 16 February 2005, 15:55
they should bring in a driving test to test how good you actually are, instead of how safe you are. old people who have slow reactions would fail. yay.

I've always pondered this question. who has better reactions. a 17 year old who's had a pint or a 90 year old who can't keep a pint in them? yet the 17 year old will undoubtly be raped of over ?1000 for their insurance while the 90 year old pays less than ?100.
Title: Re: Stupid insurrance
Post by: AdamB on 16 February 2005, 19:18
This will make you jealous -

I insure a group 19 corrado, and have 6 points for speeding! I'm 31 and still only pay ?320, FC protected!
Just need to find someone that will give me a good price on the cab, as a second car now- any ideas?
Title: Re: Stupid insurrance
Post by: DubFan on 17 February 2005, 01:05
Avoid the 1litre Mk2, the engine doesn't have enough power to shift the mk2 and without power steering a learner will find it very heavy.
I went for the 1 litre Mk2 Polo option for teaching my girlfriend, better power to weight ratio and easier to manouvre. Still costs too much, but that's cos of the area.
My trick is to have yourself as main driver, her as named driver (learner), then add your parents (or anybody over 50) as named drivers too. The more experienced the other named drivers are, the better, even if they are never likely to want to drive the car.