GolfGTIforum.co.uk

General => Insurance => Topic started by: The K man on 24 February 2012, 21:58

Title: Will my insurance go down at 21?
Post by: The K man on 24 February 2012, 21:58

Currently paying £2700 on a 1.4 mk4 golf. I'm 20 from Manchester, just had a bump (which wasn't in with that price) and got 3 points for driving on my phone.

I understand sky and HIC can't give me an accurate quote but at a guess (with the bump included) however i'll be 21 come my next renewal, would you expect my premium to go up or down?

Thanks a lot

Title: Re: Will my insurance go down at 21?
Post by: Chris. on 25 February 2012, 13:52

Thats extortionate!

Im 20 and was paying £600 on a 1.4S 2000year with suspension and wheels.

Title: Re: Will my insurance go down at 21?
Post by: Ninja on 25 February 2012, 15:01

It's not that high to be honest, my 19 year old brother literally cannot get insured for less than £3000 on pretty much anything.

And does your phone still work after driving on it?  :laugh:

I think the main years when insurance drops is 21 and 25. Correct me if I'm wrong.

Title: Re: Will my insurance go down at 21?
Post by: Chris. on 25 February 2012, 15:51

I didnt even pay £2000 when 17.  Mine was £1968 fully comp!

Title: Re: Will my insurance go down at 21?
Post by: ScottA on 25 February 2012, 16:36

I'm 21, 6 points, 4 years no claims and pay less than £1k on brand new mk6 GTI.

I can't believe insurance quotes are £2000-3000 bloody hell! I've never paid more than £1300 a year on brand new cars since passing. I had a new A3 2.0 TDI Black Edition at 19.

Title: Re: Will my insurance go down at 21?
Post by: Mr GTD on 25 February 2012, 17:50

Quote from: The K man on 24 February 2012, 21:58

Currently paying £2700 on a 1.4 mk4 golf. I'm 20 from Manchester, just had a bump (which wasn't in with that price) and got 3 points for driving on my phone.

I understand sky and HIC can't give me an accurate quote but at a guess (with the bump included) however i'll be 21 come my next renewal, would you expect my premium to go up or down?

Thanks a lot

Check comparison sites like, go compare,confused,moneysupermarket ect ect....I'm sure you can get it alot cheaper than your paying. Thats a ridiculous amount to pay for insurance!! :wink:

Title: Re: Will my insurance go down at 21?
Post by: luke on 28 February 2012, 13:59

crikey, i first got driving when i was 18 in a saxo vtr at 1450, now i'm 19 with a mk3 gti 8v at 1300

Title: Re: Will my insurance go down at 21?
Post by: clancy on 28 February 2012, 17:45

other peoples insurance is hillerious tbh

im 18 and am on my second 2 litre car, both where about 1600to insure, i can get a lexus is200 for £1100  :laugh:




but yes i recon it would go down at 21

Title: Re: Will my insurance go down at 21?
Post by: murraymint on 28 February 2012, 18:20

I'm 20 with no no claims bonus and a claim last year and the insurance on my mk3 2ltr 16v is £1300! Think it'll go down to about £900 in the summer. If mine went up to £2/2.5k I wouldn't have a car! Lol

Title: Re: Will my insurance go down at 21?
Post by: olliemk3 on 28 February 2012, 21:27

only go down a small amount, 25 is the big drop, i pay 2 grand for my 1.8 driver a year, im 19 with one accident on record unfortunately, its more about how many yrs no claims you have nowdays than age.

Title: Re: Will my insurance go down at 21?
Post by: VW BUSH on 09 March 2012, 22:18

not much mate :sad:

Title: Re: Will my insurance go down at 21?
Post by: Billy213 on 11 March 2012, 00:29

I paid £2100 for my 1.8 driver. I'm 20. It makes me want to cry.

Title: Re: Will my insurance go down at 21?
Post by: xxChrisxx on 14 March 2012, 18:49

Quote from: olliemk3 on 28 February 2012, 21:27

only go down a small amount, 25 is the big drop

Having passed that depressing threshold, I can assure you the grass isn't greener on the other side of the hill.

Title: Re: Will my insurance go down at 21?
Post by: skyinsurance on 15 March 2012, 09:19

Quote from: xxChrisxx on 14 March 2012, 18:49

Having passed that depressing threshold, I can assure you the grass isn't greener on the other side of the hill.

Reaching 25 can help drive the price down on the basis that more insurers will quote for 25 years olds so this drives prices down, generally speaking.

Ollie
Sky Insurance

http://www.skyinsurance.co.uk/car-club-insurance.html