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General => Insurance => Topic started by: The K man on 20 March 2011, 21:54
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im 19 and i drive a 1.6 mk3.
Do you think i would be able to get inusured on something bigger? a 1.8 etc?
Ive looked on the comparison websites and there just quoting stupidly high prices, however they did this when i got insured on my 1.6 but i found a cheap deal elsewhere.
I will ring up tomorrow and find out if my insurer will give me a quote or not but i was just wondering if anybody on here could give me there advice, or if anybody else was in a similar boat to me :smiley:
Ramble over, thanks for taking the time to read :smiley:
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You can get insured on anything you want. Of course, the more powerful and expensive the more costly it'll be.
NCB, where you live, where you park, annual mileage, modifications, security all play a part in it as well as any named drivers.
Try Brentacre though, when I was 19 I paid £1300 on my 8v gti.
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You can get insured on anything you want. Of course, the more powerful and expensive the more costly it'll be.
NCB, where you live, where you park, annual mileage, modifications, security all play a part in it as well as any named drivers.
Try Brentacre though, when I was 19 I paid £1300 on my 8v gti.
thanks for that mate i appreciate it, im paying £3000 for mine :shocked: :shocked:
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Jesus H Christ! £3000 for a 1.6 Golf! :shocked: :shocked: :shocked: :shocked:
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I pay 2600 for a 1.4 lol
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Jesus H Christ! £3000 for a 1.6 Golf! :shocked: :shocked: :shocked: :shocked:
yup :angry:
ridiculous isnt it
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Fook me :shocked: :shocked: :shocked:
I could insure my until gti until about 2025 for the amount the 2 of you pay combined for a year!
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Fook me :shocked: :shocked: :shocked:
I could insure my until gti until about 2025 for the amount the 2 of you pay combined for a year!
Hahahah and I got 30 percent discount lol
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Fook me :shocked: :shocked: :shocked:
I could insure my until gti until about 2025 for the amount the 2 of you pay combined for a year!
Hahahah and I got 30 percent discount lol
How old are you, if you don't mind me asking?
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I feel old reading this thread, under £300 fully comp with limited miles of 3500 per year.
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I pay 2600 for a 1.4 lol
Jeez! My 1.4 was (I say say "only) 800 inc breakdown cover with all mods declared when I was 19 (2 years ago).
Do you have points or something that puts it up?
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That is amazing! i was quoted £700 at 20 with 3 years NCB for my VR6 i waited a week till i was 21 with 4 years NCB and got it for £580 fully comp! :cool: :grin:
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That is amazing! i was quoted £700 at 20 with 3 years NCB for my VR6 i waited a week till i was 21 with 4 years NCB and got it for £580 fully comp! :cool: :grin:
NCB is what makes the difference.
However, insurance costs have gone up spectacularly for first time drivers recently...
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Holy Sh*t, thats some insurance premiums being quoted. I wont share what i pay but then again i am old :grin: Why you would want to inusre something more powerful if thats the price of your 1.6 is crazy lol.
Anyway insurance is all about pricing the risk in accordance with a potential pay out, (pretty much the same as khare said) so I would be pretty confident that you could insure 1.8, 2.0 GTi etc somewhere but expect a pretty expensive premium especially if you are young (which that sort of premiums I am assuming you are) and have no NCD. Increasing your excess is always an option to reduce your premiums, another good thing is to add a mature woman to your policy (mum/gran/auntie etc) you will find that this will more than likely benefit your quotes.
Hope this helps
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Yes do this I always had my mum as a named driver now it's my wife. When looking around for insurance it was around £100 more without my wife.
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Holy Sh*t, thats some insurance premiums being quoted. I wont share what i pay but then again i am old :grin: Why you would want to inusre something more powerful if thats the price of your 1.6 is crazy lol.
Anyway insurance is all about pricing the risk in accordance with a potential pay out, (pretty much the same as khare said) so I would be pretty confident that you could insure 1.8, 2.0 GTi etc somewhere but expect a pretty expensive premium especially if you are young (which that sort of premiums I am assuming you are) and have no NCD. Increasing your excess is always an option to reduce your premiums, another good thing is to add a mature woman to your policy (mum/gran/auntie etc) you will find that this will more than likely benefit your quotes.
Hope this helps
Cheers mate it has helped, by the way I'm 19 and have 1 years NCD
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Yes do this I always had my mum as a named driver now it's my wife. When looking around for insurance it was around £100 more without my wife.
Your mum is now your wife? :huh: :laugh:
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And ya brother is slipping her a length inbetween uncle Joe and the milkman.
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Yes do this I always had my mum as a named driver now it's my wife. When looking around for insurance it was around £100 more without my wife.
Your mum is now your wife? :huh: :laugh:
:grin: :grin: :grin:
And ya brother is slipping her a length inbetween uncle Joe and the milkman.
:huh: :huh: :shocked: :shocked: :undecided: :grin: :grin:
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I pay 2600 for a 1.4 lol
Jeez! My 1.4 was (I say say "only) 800 inc breakdown cover with all mods declared when I was 19 (2 years ago).
Do you have points or something that puts it up?
I had a huge crash and caused 180g of damage lol
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:grin: :grin: :grin: ok I fell into that one
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Insurance just takes the piss big time im 36 11 years NCB no convictions Yet im paying just under £600 on my Anni which is higher than last year I asked them why am I paying more money and there reply was the B8 area which is about 4 miles from where I live has the highest insurance fraud rate in the country so im paying for it :cry: My dad who is 62 drove a mk4 20vt sold that bought a 130 tdi mk4 same car really just newer but less bhp his has gone up from £360 to £600 proper piss take.My anni turns 15 years old in april im hoping to get it on classic as I can have a VR on classic for £320 just madness
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I pay 2600 for a 1.4 lol
Jeez! My 1.4 was (I say say "only) 800 inc breakdown cover with all mods declared when I was 19 (2 years ago).
Do you have points or something that puts it up?
I had a huge crash and caused 180g of damage lol
:shocked: What did you hit??
Insurance just takes the piss big time im 36 11 years NCB no convictions Yet im paying just under £600 on my Anni which is higher than last year I asked them why am I paying more money and there reply was the B8 area which is about 4 miles from where I live has the highest insurance fraud rate in the country so im paying for it :cry: My dad who is 62 drove a mk4 20vt sold that bought a 130 tdi mk4 same car really just newer but less bhp his has gone up from £360 to £600 proper piss take.My anni turns 15 years old in april im hoping to get it on classic as I can have a VR on classic for £320 just madness
:shocked: I'm 23 with 4 years NCB, no convictions etc and only pay a little over £500!
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insurance is ridiculous.
My golf (16v gti) cost me 1300 this year... half way through the year i've now changed to a nissan200sx running 280bhp... And its only 300 more.
The joke is if i waited til my renewal to change cars it would have cost me 1800.
Moral of the story, insurance is GHEY! Ring your insurance company and ask them, and shop around!
Thats my only advice!
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insurance is ridiculous.
My golf (16v gti) cost me 1300 this year... half way through the year i've now changed to a nissan200sx running 280bhp... And its only 300 more.
The joke is if i waited til my renewal to change cars it would have cost me 1800.
Moral of the story, insurance is GHEY! Ring your insurance company and ask them, and shop around!
Thats my only advice!
Agreed!
I got a quote for a 2001 Audi s3 and it was only about £150 more than my 8v, figure that one out :huh:
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I pay 2600 for a 1.4 lol
Jeez! My 1.4 was (I say say "only) 800 inc breakdown cover with all mods declared when I was 19 (2 years ago).
Do you have points or something that puts it up?
I had a huge crash and caused 180g of damage lol
:shocked: What did you hit??
Insurance just takes the piss big time im 36 11 years NCB no convictions Yet im paying just under £600 on my Anni which is higher than last year I asked them why am I paying more money and there reply was the B8 area which is about 4 miles from where I live has the highest insurance fraud rate in the country so im paying for it :cry: My dad who is 62 drove a mk4 20vt sold that bought a 130 tdi mk4 same car really just newer but less bhp his has gone up from £360 to £600 proper piss take.My anni turns 15 years old in april im hoping to get it on classic as I can have a VR on classic for £320 just madness
:shocked: I'm 23 with 4 years NCB, no convictions etc and only pay a little over £500!
i took out 3 traffic lights lol at 60 in a 1.0l polo 6n lucky to be alive tbh!!
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Here's my latest quotes on a pissrat
I'm 35 married etc and My prices are
1.8 sport £360
1.8t se £390
1.8t sport £370
v6 syncro £350
the most powerful car there is cheapest and the most basic is most expensive!! (there £10 difference between a 125bhp 1.8 and 195bhp v6! In the V6's favour)
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I pay 2600 for a 1.4 lol
Jeez! My 1.4 was (I say say "only) 800 inc breakdown cover with all mods declared when I was 19 (2 years ago).
Do you have points or something that puts it up?
I had a huge crash and caused 180g of damage lol
:shocked: What did you hit??
Insurance just takes the piss big time im 36 11 years NCB no convictions Yet im paying just under £600 on my Anni which is higher than last year I asked them why am I paying more money and there reply was the B8 area which is about 4 miles from where I live has the highest insurance fraud rate in the country so im paying for it :cry: My dad who is 62 drove a mk4 20vt sold that bought a 130 tdi mk4 same car really just newer but less bhp his has gone up from £360 to £600 proper piss take.My anni turns 15 years old in april im hoping to get it on classic as I can have a VR on classic for £320 just madness
:shocked: I'm 23 with 4 years NCB, no convictions etc and only pay a little over £500!
i took out 3 traffic lights lol at 60 in a 1.0l polo 6n lucky to be alive tbh!!
Traffic lights cost £60,000 each? Fook me
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I pay 2600 for a 1.4 lol
Jeez! My 1.4 was (I say say "only) 800 inc breakdown cover with all mods declared when I was 19 (2 years ago).
Do you have points or something that puts it up?
I had a huge crash and caused 180g of damage lol
:shocked: What did you hit??
Insurance just takes the piss big time im 36 11 years NCB no convictions Yet im paying just under £600 on my Anni which is higher than last year I asked them why am I paying more money and there reply was the B8 area which is about 4 miles from where I live has the highest insurance fraud rate in the country so im paying for it :cry: My dad who is 62 drove a mk4 20vt sold that bought a 130 tdi mk4 same car really just newer but less bhp his has gone up from £360 to £600 proper piss take.My anni turns 15 years old in april im hoping to get it on classic as I can have a VR on classic for £320 just madness
:shocked: I'm 23 with 4 years NCB, no convictions etc and only pay a little over £500!
i took out 3 traffic lights lol at 60 in a 1.0l polo 6n lucky to be alive tbh!!
Traffic lights cost £60,000 each? Fook me
Spose it's the traffic lights, tarmac has gotta be dug up and replaced, they probably won't repair the probably torn wires so they'd have to be traced back and fixed, ground fixed back down, re tarmaced sections.
Plus whatever else was hit.
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I pay 2600 for a 1.4 lol
Jeez! My 1.4 was (I say say "only) 800 inc breakdown cover with all mods declared when I was 19 (2 years ago).
That's what I did lol bad times but my insurance in cheaper on a 100bhp polo then on my 60 bhp power machine lol
Do you have points or something that puts it up?
I had a huge crash and caused 180g of damage lol
:shocked: What did you hit??
Insurance just takes the piss big time im 36 11 years NCB no convictions Yet im paying just under £600 on my Anni which is higher than last year I asked them why am I paying more money and there reply was the B8 area which is about 4 miles from where I live has the highest insurance fraud rate in the country so im paying for it :cry: My dad who is 62 drove a mk4 20vt sold that bought a 130 tdi mk4 same car really just newer but less bhp his has gone up from £360 to £600 proper piss take.My anni turns 15 years old in april im hoping to get it on classic as I can have a VR on classic for £320 just madness
:shocked: I'm 23 with 4 years NCB, no convictions etc and only pay a little over £500!
i took out 3 traffic lights lol at 60 in a 1.0l polo 6n lucky to be alive tbh!!
Traffic lights cost £60,000 each? Fook me
Spose it's the traffic lights, tarmac has gotta be dug up and replaced, they probably won't repair the probably torn wires so they'd have to be traced back and fixed, ground fixed back down, re tarmaced sections.
Plus whatever else was hit.
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K man, the problem is that you live in Manchester like myself! Im 24 and i still found myself bent over and gang-pounded by all the insurance companies. :shocked:
Plus i change my car all the time (im in my 30th car in 6 years now lol) so i have decided t get a trade policy.
£1800 isnt bad for that give where i live nd the fact that im not 25 yet! :evil:
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When I was 18 I insured my 2.0L GTi for £1280
:smiley:
Not all companies are cruel :drool:
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When I was 18 I insured my 2.0L GTi for £1280
:smiley:
Not all companies are cruel :drool:
They are when i paid little over £500 for my 8v at 18! :evil: :tongue:
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gti's are one of the highst insurance groups there are that said i pay 400 fully comp im 27 with 5years ncb
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With admiral £265 fully comp (protected no claims) on my 16v :wink:
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I remember paying £1600 for my 1.6 mk2 when I was 17, with the car parked on the street and no security on it. Now there seems to be people paying £3000+ for the same quotes. I just don't understand how insurance companies can get away with it, surely it should be classified as ripping someone off :undecided:
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Lad over the road from me is 20 drives a Seat Ibza not sure what cc it is but its not a turbo or anything fast he pays £2800 a year :laugh: no convictions driving for over a year.You guys that are getting the good low prices must live in low rate areas as if you lived round here and you was 18 to 23 you would not be roling in a Gti or a VR they wouldnt want to know..
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Lad over the road from me is 20 drives a Seat Ibza not sure what cc it is but its not a turbo or anything fast he pays £2800 a year :laugh: no convictions driving for over a year.You guys that are getting the good low prices must live in low rate areas as if you lived round here and you was 18 to 23 you would not be roling in a Gti or a VR they wouldnt want to know..
I just did a quick quote with bell online for my car (without mods because I couldn't be arsed going through that) where I currently live, it came out at £483. I did an identical quote but with a B4 postcode, it came out at £925.23 :shocked: :shocked: :shocked:
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I just done a few on gocompare which wasnt cheap enough when I last used it the best they came up with was £691 I put in a B90 postcode which is about 6 mile from me came out at £400 plus if I do it as a standard Gti its £200 cheaper than my Anni :laugh:
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I live in something like the 25th worst postcode (N18/N9) in the U.K!!! You lot are lucky!!!
But Admiral love me for some reason :D
N17 which is less than a 5 minute drive from me is "Uninsurable" from some companies!
Dom, Try N17 as your postcode and let me know what you get ;)
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I live in something like the 25th worst postcode (N18/N9) in the U.K!!! You lot are lucky!!!
But Admiral love me for some reason :D
N17 which is less than a 5 minute drive from me is "Uninsurable" from some companies!
Dom, Try N17 as your postcode and let me know what you get ;)
:grin: I'll get a quote now!
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I live in something like the 25th worst postcode (N18/N9) in the U.K!!! You lot are lucky!!!
But Admiral love me for some reason :D
N17 which is less than a 5 minute drive from me is "Uninsurable" from some companies!
Dom, Try N17 as your postcode and let me know what you get ;)
Came back at £803.93 so not as much as the Birmingham one!
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Birmingham B8 post code as I said has F**ked it all up in brum big time :cry:
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last year I paid £265 fall comp on my 16v. Now I've moved 5 mins up the road I pay £375 on my 8v that is locked in my garage. I still think thats good considering I'm 24 :smiley:
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With admiral £265 fully comp (protected no claims) on my 16v :wink:
Thats same as mine and I was 23 when I insured it. how old are you?
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Im 31 live in Mansfield notts its on my drive i got 3 points and the alarms a none cat alarm :smiley:
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Im 28 with 5 ncd and i live 20 miles out of london and got a quote for my mk3 8v and it came out at £590, Thought not too bad. Then had a brain wave. my mum and dad live in a tiny village near cambridge where fook all crime happens and 5 cars drive through a day and got a quote at their address. £355 it came out. So from now on i just get my insurance on their address.
Might be worth a go if you got family living in similar places.
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Im 28 with 5 ncd and i live 20 miles out of london and got a quote for my mk3 8v and it came out at £590, Thought not too bad. Then had a brain wave. my mum and dad live in a tiny village near cambridge where fook all crime happens and 5 cars drive through a day and got a quote at their address. £355 it came out. So from now on i just get my insurance on their address.
Might be worth a go if you got family living in similar places.
That means yours not insured! The insurance must be at your home address (anywhere you spend 4+ nights a week is your home).......B.t.w Insurance company's also look at these forum's :lipsrsealed:
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Im 28 with 5 ncd and i live 20 miles out of london and got a quote for my mk3 8v and it came out at £590, Thought not too bad. Then had a brain wave. my mum and dad live in a tiny village near cambridge where fook all crime happens and 5 cars drive through a day and got a quote at their address. £355 it came out. So from now on i just get my insurance on their address.
Might be worth a go if you got family living in similar places.
LOL - What a f**king stupid comment.
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Im 28 with 5 ncd and i live 20 miles out of london and got a quote for my mk3 8v and it came out at £590, Thought not too bad. Then had a brain wave. my mum and dad live in a tiny village near cambridge where fook all crime happens and 5 cars drive through a day and got a quote at their address. £355 it came out. So from now on i just get my insurance on their address.
Might be worth a go if you got family living in similar places.
What not to post. lol
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:laugh:
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Im 28 with 5 ncd and i live 20 miles out of london and got a quote for my mk3 8v and it came out at £590, Thought not too bad. Then had a brain wave. my mum and dad live in a tiny village near cambridge where fook all crime happens and 5 cars drive through a day and got a quote at their address. £355 it came out. So from now on i just get my insurance on their address.
Might be worth a go if you got family living in similar places.
Hello Hello Hello whats your name and adress PC Bulk here :grin:
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I doubt we'll ever see him again! What a moron :grin:
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K man, the problem is that you live in Manchester like myself! Im 24 and i still found myself bent over and gang-pounded by all the insurance companies. :shocked:
Plus i change my car all the time (im in my 30th car in 6 years now lol) so i have decided t get a trade policy.
£1800 isnt bad for that give where i live nd the fact that im not 25 yet! :evil:
I agree mate, the problem with me is (although I don't live in Oldham) I have an oldham postcode, after all the riots etc a few years back it must be a high risk area now!
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The hughey bloke does seem particularly stupid. It'd also be interesting to see where the car is registered to...
Incidentally, I'm 27 years old, with 6 years NCB and two convictions. I live in a low crime area and have two cars.
The first is my mk3 16v GTI. It's lowered on adjustable coilovers with banded steels on stretchd tyres, uprated headunit, leather interior, black vinyl roof, black grill badge, clear glass fogs/indicators and a Passat lip spoiler, all declared. That's £700 fully comp.
My second cars is my '73 Fastback that has been slammed, but standard other than that. With an agreed value of £3500 and no ncb it's £154 fully comp. Chuffed with that. Haha
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The hughey bloke does seem particularly stupid. It'd also be interesting to see where the car is registered to...
ooops :shocked: :lipsrsealed: :lipsrsealed:
:laugh:
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try admiral, i was paying £1,450 on a saxo vtr at 18 with 0 ncb, now changed to a rover 100 1.1 and paying £1,100 (more smiles than the saxo!)
I could get insured on a mk4 1.8t for less than £2,000
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Im 28 with 5 ncd and i live 20 miles out of london and got a quote for my mk3 8v and it came out at £590, Thought not too bad. Then had a brain wave. my mum and dad live in a tiny village near cambridge where fook all crime happens and 5 cars drive through a day and got a quote at their address. £355 it came out. So from now on i just get my insurance on their address.
Might be worth a go if you got family living in similar places.
Good idea, although a bit naughty :grin:
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Admiral multi car can work out ok if you have more cars than drivers. We have a Puma, FTO, Golf and Skoda on the policy with just me and mrs driving. all of the cars are under £350 each and that includes business use on the skoda