GolfGTIforum.co.uk
General => Insurance => Topic started by: redm4lc on 04 March 2012, 18:59
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Without forgetting the 'young at heart' lot :tongue: I'm interested in knowing how much some of the ~25years pay for their modified Golfs and what companies you'd usually use?
I'm with Admiral at the minute and they're pretty piss poor. I've got a list of minor upgrades I want to do to my Golf at the minute (alloys,minor trim, tints, stereo etc) and a little worried about my premium spiking. I recently swapped my address with them and found my premium raised by £150 to a staggering £1,050 now (I'm 22)... It's only the 105 BHP Golf as well :rolleyes: It's not like it's a bloody GTI or even the 2.0 TDI...
It got me thinking, if I do make any 'significant' upgrades like a remap, how much I can expect it to rise? I know an insurer sponsors the forum - what do they consider as 'modifications'?
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Brentacre, as many mods as i like aslong as they are declared (no price hike)
Thats a vr and im 24 paying just under a grand which is HALF what i paid last year
Ps there is an insurance section, this thread will probably get moved soon :smiley:
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im 20 pay 1000 on my mk4.
im with admiral and when i declaed coilovers and alloys they only increased it about £30
as for what do they class as a modification, anything that isnt on the car when it rolls out of the factory.
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I'm 21, 2 years NCB, lowered mk2 golf (group 14) renewal price this year was £690 with admiral.
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im 20 pay 1000 on my mk4.
im with admiral and when i declaed coilovers and alloys they only increased it about £30
as for what do they class as a modification, anything that isnt on the car when it rolls out of the factory.
Wow that isn't bad. What did you upgrade the size from/to?
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17 on 1.4 golf se for me is £2400 with LV :sad:
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im 20 pay 1000 on my mk4.
im with admiral and when i declaed coilovers and alloys they only increased it about £30
as for what do they class as a modification, anything that isnt on the car when it rolls out of the factory.
Wow that isn't bad. What did you upgrade the size from/to?
was on standard 15's now its on 17's
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was on standard 15's now its on 17's
That's promising. I'll give them a call tomorrow and see what they think. Will they just ask for size or some specifics? It's of course entirely hypothetical...
17 on 1.4 golf se for me is £2400 with LV :sad:
Ouch! Funnily enough Kingsclere is where I just moved my address from :tongue:
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17 on 1.4 golf se for me is £2400 with LV :sad:
Ouch! Funnily enough Kingsclere is where I just moved my address from :tongue:
where did you live in kingsclere ?? thats quite cheap i've got friends paying £3800 on his 1.6 VTEC Civic :grin:
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where did you live in kingsclere ?? thats quite cheap i've got friends paying £3800 on his 1.6 VTEC Civic :grin:
Wowza! That's pretty bad. I lived at top of St. Mary's Road mate, Brimley Hill Court. :) Had the pleasure of driving past a mk2 convertible each day at the bottom of the hill next to the free car park :grin:
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i know the one :wink: small world ayyee :grin:
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i got an anni 1.9 diesel im paying almost 2 grand on my own with 2 yrs no claims n im 22 so some of your are bloody lucky :( its with elephant cheapest i could find at the time , big difference from by mk gti that was 1400
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I'm 22, in the RAF, 3yrs NCB, 3 points, no previous claims, GTTDI, suspension/alloys/remap, mum and dad both on policy both with 3 points, opted for a voluntary excess of £250 I think, compulsory excess of £100 and I paid just over £800 with admiral.
Paid it all off on an interest free credit card :nerd: Yea I beat the insurance companies awful APR rates for paying monthly!
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Ive got an 8v mk2 GTi, declared engine mods of cam and exhaust manifold. Limited milage, 6yrs noclaims, no accidents etc, im 26. Currently with Sky Insurance paying about £450.
which im feeling pretty good about seing others paying close to 1k! :sick:
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i had a 2litre RS clio running about 185bhp
modifications where:
ph2 rear bumper, boot, lights, spoiler
alloys
bigger brakes
exhaust
matched inlets
coilovers
solid top mounts
solid engine and gearbox mounts
im 18 with 1 year ncb and that was £1800 fully comp.
now ive got a mk3 GTI with vento front end, lowered. think its about £1500 with elephant
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21, 1 years nc (should be 4 but was named driver :cry:)
golf mk4 1.8t with elephant got it for £899
price for mods so far:
coilovers: £20ish
18" alloys: £6 :grin:
dont cover remaps as it increase by more than 15bhp :angry:
hope that helps
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I'm 21 (nearly 22), 4 years ncb, 4 years license, 6 points SP50, 1 claim (windscreen) £870 thru VW insurance on 12 plate MK6 GTI but they won't cover any modifications - which is a bit rubbish as I'm used to coilovers, bigger brakes, arbs etc on previous A3 black edition, but I suppose I can live without and save some money :grin:
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I'm 21 (nearly 22), 4 years ncb, 4 years license, 6 points SP50, 1 claim (windscreen) £870 thru VW insurance on 12 plate MK6 GTI but they won't cover any modifications - which is a bit rubbish as I'm used to coilovers, bigger brakes, arbs etc on previous A3 black edition, but I suppose I can live without and save some money :grin:
Very nice deal there. Makes me regret not just forking out for my own policy when I passed my test. I'm half way through my first year on own policy. Hopefully they'll finally drop it after this.
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I'm 22 with 5 year ncb. 3 points. Only mods are alloys and exhaust system. Quite I got from first central was £590 third party fire and theft.
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Stupid iPhones. That's for a mk4 gti aswell
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Without forgetting the 'young at heart' lot :tongue: I'm interested in knowing how much some of the ~25years pay for their modified Golfs and what companies you'd usually use?
I'm with Admiral at the minute and they're pretty piss poor. I've got a list of minor upgrades I want to do to my Golf at the minute (alloys,minor trim, tints, stereo etc) and a little worried about my premium spiking. I recently swapped my address with them and found my premium raised by £150 to a staggering £1,050 now (I'm 22)... It's only the 105 BHP Golf as well :rolleyes: It's not like it's a bloody GTI or even the 2.0 TDI..
More than anything you drive, what you do to the car, who you are. Location has the single biggest impact on your premium.
I've moved around a the country quite a bit, and it does work both ways. Admiral have always been reasonable with me.
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Without forgetting the 'young at heart' lot :tongue: I'm interested in knowing how much some of the ~25years pay for their modified Golfs and what companies you'd usually use?
I'm with Admiral at the minute and they're pretty piss poor. I've got a list of minor upgrades I want to do to my Golf at the minute (alloys,minor trim, tints, stereo etc) and a little worried about my premium spiking. I recently swapped my address with them and found my premium raised by £150 to a staggering £1,050 now (I'm 22)... It's only the 105 BHP Golf as well :rolleyes: It's not like it's a bloody GTI or even the 2.0 TDI..
More than anything you drive, what you do to the car, who you are. Location has the single biggest impact on your premium.
I've moved around a the country quite a bit, and it does work both ways. Admiral have always been reasonable with me.
location is the killer, i moved from a town to the city and my insurance went up £600
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I'm 22... nearly 23, had my licence 5 years with 4 years ncb and pay £750 for my mk5 gti with admiral which I rekon is pretty decent :grin:
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Had my mk3 through HIC - was 22/23 car was a 1.4, decked on coilies and 16's, interior all upgraded from a GTI and stereo. Was just under £800 with 1 years NCB. I was living in buaghurst too so just down the road from Kingsclere.
Now living in Fleet with a Mk4 GTTDI, stock - £460 through HIC with 2 years NCB
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Only joined this forum about a month ago and found it really helpful! I'm 20 and just insured my mk2 8v gti with sky insurance claimed g60's, coilovers and straight through pipes and got a quote of 1290 which was the cheapest i could find! The highest was chuffin 9 GRAND!!!
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Only joined this forum about a month ago and found it really helpful! I'm 20 and just insured my mk2 8v gti with sky insurance claimed g60's, coilovers and straight through pipes and got a quote of 1290 which was the cheapest i could find! The highest was chuffin 9 GRAND!!!
Good to hear, thanks for the feedback :cool:
http://www.skyinsurance.co.uk/car-club-insurance.html
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In my first years insurance, which runs out today, i paid £3600. My renewal price was £4803! :sick:
I didnt get a no claims bonus due to a bump last year. Admiral are my cheapest quote so far with £3500 for this year. :sad:
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I pay 2200 for mk4 gti t with privelege im 22 had licence 3 n half year but havnt got any ncb. No other insurance companies qouted me less than 3000 i think sky was over 4000
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I think at your age, Admiral, Bell & Elephant (that group of companies) is your best bet on price for this sort of car. I have been with them since I was 22 and they have always been the best priced at around the same figures you are quoting. Everywhere else was generally asking for 3k, if they would insure you at all.
Now I am an old git pushing 30 they are taking the pi*ss as the price hasn't dropped much. I have recently found a quote for £600 and will be moving come renewal.
Apparently Admiral's customer service/claims support is crap mind, touch wood you never need it
Have a play with adding different combinations of your mrs/mum/dad as named drivers as this can knock the premium down _a lot_
**EDIT**
God I feel old reading this thread
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Also I read your credit rating can have an impact on your premiums - theory is that those who have a poor credit rating where more likely by several factors to have an accident. Dunno how they work that out. As such, each time you get a quote you have a credit check and a "silent" footprint left on your credit file.
So might be worth seeing how your credit rating is too and making sure it's the best it can be?
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im 23 license for 1 and a half years. always been a named driver
99 vw golf mark 4 1.8 20v turbo. 1200£