GolfGTIforum.co.uk
Model specific boards => Golf mk4 => Topic started by: jnufcuk on 11 May 2012, 17:25
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Been phoning around and looks like £1500-2k+ :cry:
I honestly. Don't think I'll b able to afford it tbh which is killing me to say as I have put a lot of hard work into it. But being 22 it's a ball ache to get standard car insurance let alone modified :cry:
So don't b surprised if u see her in the for sale section in the next few days :lipsrsealed:
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That's an incredible amount for insurance :shocked:
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That's an incredible amount for insurance :shocked:
It's crazy money. Can't justify that :sad: it's weird as ATM I'm with elephant and paying 900 then between £10-20 here and there for when I declare the mods. Which together is prob about £1000 so not too bad. That's the max I would go to though
Might starts looking at polos :lipsrsealed:
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i was just this 2nd searching for insurance on the golf :sick: :sick:
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i was just this 2nd searching for insurance on the golf :sick: :sick:
Golf or bolf :grin:
Your a bit older so easier for u :smiley:
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dude look for a 1.8n/a its not fast but its still a golf. speed isnt everything. (although it would be preferable) but no matter what it is your going to be getting shafted by insurance companies around that power.
im paying less than a grand all mods declared and every optional extra on my insurance(windscreen, unlimited break down, hire car ect ect ect) and ive just turned 20. incredible what difference the extra 25 bhp makes to insurance costs, mine over doubles on a 1.8t.
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Been phoning around and looks like £1500-2k+ :cry:
I honestly. Don't think I'll b able to afford it tbh which is killing me to say as I have put a lot of hard work into it. But being 22 it's a ball ache to get standard car insurance let alone modified :cry:
So don't b surprised if u see her in the for sale section in the next few days :lipsrsealed:
are they wearing a ski-mask on the other end of that phone :laugh:
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Realllyyyy????? I was 19 now 20 when i insured the golf 2 complete years of ncb a sp30 and mine was 985 with elephant surely yours should be cheaper?
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I was 21 last year and it cost me 850 with 2 years NCB if you have a girlfriend then say you are living with her and common law married that's what I did and it dropped by £400 with elephant insurance
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Currently with elephant now as they were the cheapest so going to see what they say :) after all they covers all mods bar one special one.....remap :grin:
But could live without a remap if it meant getting insurance for under £1000 :grin: :laugh:
If I was going to get another car I think it would be a lil polo then slam it :lipsrsealed: after all there slow so less chance of breaking things :grin:
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I dont advise it but how can they actually tell its mapped :lipsrsealed:
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VOLKSWAGEN GOLF GTI T (150BHP).Search and ResultBest price (of 57)£279.90
done a quick check what mine would cost to re-insure
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VOLKSWAGEN GOLF GTI T (150BHP).Search and ResultBest price (of 57)£279.90
done a quick check what mine would cost to re-insure
Go away :drool:
Just heard back from sky and it's 1892 with map :shocked:
Ouch!!!!
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If I was going to get another car I think it would be a lil polo then slam it :lipsrsealed: after all there slow so less chance of breaking things :grin:
nooo dont do it, too many slammed polos around. every chav is driving them.
me and my mates went to sainsburys the other night and there was a bit of a chav meet going on, one caddy, one std golf, 6 polos. all on there arse, all on bbs, scene whores
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VOLKSWAGEN GOLF GTI T (150BHP).Search and ResultBest price (of 57)£279.90
done a quick check what mine would cost to re-insure
Go away :drool:
Just heard back from sky and it's 1892 with map :shocked:
Ouch!!!!
think its cause im an old c*nt :grin: :grin: my s3 for me and her an she has a previous dd is £630 fully comp
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i was just this 2nd searching for insurance on the golf :sick: :sick:
Golf or bolf :grin:
Your a bit older so easier for u :smiley:
bloody hell forgot bout front end :grin:
ive searched on a few sites and am just pissed off at looking :grin: :cry: :sick:
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That's an incredible amount for insurance :shocked:
It's crazy money. Can't justify that :sad: it's weird as ATM I'm with elephant and paying 900 then between £10-20 here and there for when I declare the mods. Which together is prob about £1000 so not too bad. That's the max I would go to though
Might starts looking at polos :lipsrsealed:
Tried Adrian Flux, MCE? Maybe you'd have to take some mods off.
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Come join me on the dark side! :evil: 115PD FTW! :smug: :laugh: :lipsrsealed:
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Awe man!
There be none of left in a few weeks :laugh:
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Awe man!
There be none of left in a few weeks :laugh:
How much did u pay or do I not want to know lol
If I was going to get another car I think it would be a lil polo then slam it :lipsrsealed: after all there slow so less chance of breaking things :grin:
nooo dont do it, too many slammed polos around. every chav is driving them.
me and my mates went to sainsburys the other night and there was a bit of a chav meet going on, one caddy, one std golf, 6 polos. all on there arse, all on bbs, scene whores
That's a no then. Stick to searching for insurance
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I dont advise it but how can they actually tell its mapped :lipsrsealed:
An insurance inspector will be able to tell if it is checked for after an accident.
Sometimes being old is good - cheap insurance :laugh:
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I dont advise it but how can they actually tell its mapped :lipsrsealed:
An insurance inspector will be able to tell if it is checked for after an accident.
Sometimes being old is good - cheap insurance :laugh:
They'd still have a job to prove it really, they'd need all the kit and would have to test the capabilities of the map.
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Have you tried hic?were cheapest for me £100 less than others were for standard and all mods declared :undecided:
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Ye so far done HIC, Chris knott and sky so far sky are cheapest with 1890
Got to try brentcare, green light and elephant who I'm with atm :smiley:
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Ye so far done HIC, Chris knott and sky so far sky are cheapest with 1890
Got to try brentcare, green light and elephant who I'm with atm :smiley:
just keep ringing round mate i know its a ball ache but fingers crossed for you :smiley:
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:shocked: them prices are shocking it pissed me off when mine went upto £448 full comp it was an £8 increase from the previous year
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:shocked: them prices are shocking it pissed me off when mine went upto £448 full comp it was an £8 increase from the previous year
Where's the middle finger icon :grin:
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I dont advise it but how can they actually tell its mapped :lipsrsealed:
An insurance inspector will be able to tell if it is checked for after an accident.
Sometimes being old is good - cheap insurance :laugh:
They'd still have a job to prove it really, they'd need all the kit and would have to test the capabilities of the map.
Not really they all have the kit needed and you can tell when it was flashed easily, Someone on here crashed a 1.8T with no map declared and was lucky to get away with it, however its not somthing i would take a risk on. :smiley:
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:shocked: them prices are shocking it pissed me off when mine went upto £448 full comp it was an £8 increase from the previous year
Where's the middle finger icon :grin:
:grin:
hope you get it sorted fella you have done so much it would be a shame to get rid
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Swap????? :grin: 1.6 16v 73k miles? :-p
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one main reason sold my 1.8t .. when i first got her at 21 i paid £1000 insurnace fully comp .. now at 24 before i sold it i was paying £1600!!! and thats with extra 2 years no claims i got through past years insured on it.. so it is a right sh!it everywhere mate .. insurance just become a big joke more bonus money for the phat cats :angry:
got myself honda civic now and i pay £800 quid which is still robbery as i had same civic when was 19 and i paid £600ish then.. it doesnt make sense no more angry: :angry: :angry: :angry: :angry: :angry: :angry: :angry: :angry: :angry: :angry:
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couple years ago was paying £350 full comp on 18t golf, now paying £670 on gt 130 golf, because live in manchester no diffrence , and i am 36
no point and full no claims, paying more now what i did when i was 18 lol
but lived at my mum address in cornwall £220
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On top of insurance I have to pay £250 tax wtf, dad is paying less for his 2.8vr6 :undecided: how does that work?
The only thing stopping me from selling is that I would have to fork out more money on buying a car and that money might as well use to spend on insurance.
Just really don't know what to do for the best :undecided:
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maybe sell buy a cheaper car then keep saving until insurance companys stop takin the piss :undecided:
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maybe sell buy a cheaper car then keep saving until insurance companys stop takin the piss :undecided:
Don't wanna buy a piece of sh!t tho :lipsrsealed: not sure how much I would get for mine anyway what with mk4 prices atm lol.
Gunna speak to couple more then see about taking some mods off and see if that makes any difference like wheels etc
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maybe sell buy a cheaper car then keep saving until insurance companys stop takin the piss :undecided:
Don't wanna buy a piece of sh!t tho :lipsrsealed: not sure how much I would get for mine anyway what with mk4 prices atm lol.
Gunna speak to couple more then see about taking some mods off and see if that makes any difference like wheels etc
have you ran a quote without any mods just to give you an idea :smiley:
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Try Brentacre, they sorted me a cracking deal.
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The whole declaring your mods is just another way of getting money out of you for nothing and they never pay out the full whack anyway only ever book value unless its agreed value.If you want to keep the car I would just insure as it is a 1.8t Golf I mean your wheels are genuine vw why would that be classed as a Mod and the remap etc how would they know that.I hate insurance companys they are a complete law to them selves they just rip people off and dont even ware a mask when they do it.
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The whole declaring your mods is just another way of getting money out of you for nothing and they never pay out the full whack anyway only ever book value unless its agreed value.If you want to keep the car I would just insure as it is a 1.8t Golf I mean your wheels are genuine vw why would that be classed as a Mod and the remap etc how would they know that.I hate insurance companys they are a complete law to them selves they just rip people off and dont even ware a mask when they do it.
Especially to us youngsters :sad:
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For me to insure a 1.8t quatro a3 its ony 2300. That's with a crash, no no claims and only, sp30 and am 21. I didn't look at golf turbo but I though it want too bad a price. Its one of the things u have to pay so they charge u watever. U can get it down in price though if u really try.
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The whole declaring your mods is just another way of getting money out of you for nothing and they never pay out the full whack anyway only ever book value unless its agreed value.
Yes but they will null and void you policy if they find out, it is never worth the risk.
I mean your wheels are genuine vw why would that be classed as a Mod and the remap etc how would they know that.
You have a point with the wheels but they were not fitted from new so are a mod, remap wise if you have a crash they will I am sure check.
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just insured me and the mrs on 1.8t for £340 were both 26 and 4y ncd lools like mine was cheap compared to the rest...
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just insured me and the mrs on 1.8t for £340 were both 26 and 4y ncd lools like mine was cheap compared to the rest...
nearly as cheap as my 1.8t :grin: :grin:
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agreed value is only about £15 a year...
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If genuine vw alloys are classed as a modification even though there a vw standard part on a certian model of vw how would you stand if you dont use vw brake pads,engine oil or light bulbs do you need to tell them this :laugh: Admiral have classed my mods as optional factory extras or something along that ground cost me £23 extra anyway robbing gits.
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If genuine vw alloys are classed as a modification even though there a vw standard part on a certian model of vw how would you stand if you dont use vw brake pads,engine oil or light bulbs do you need to tell them this.
That is the wrong way of looking at it, if it did not leave the factory with them it is a mod plain and simple.
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So when a car has cruse control, xenons, wheels or leather fitted by the DEALERS and not at the factory is that classed as a mod? As a lot of options can be fitted at the dealers
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I just disagree with the whole insurance setup at the moment its been run by MAFIA they just pick a random price out the sky and its all one way traffic.You never get rewarded for not claiming and they punish everyone for other stupid drivers and fruadsters.Ive got 12 years NCB no claims no accidents and my insurance never goes down.I buy a etstate 100bhp and sell my Gt-tdi 115bhp and they want £100 more cause its 15bhp less its just plain and simple robbery without the masks.
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had a call from my current insurer in regards to my renewal next month, its actually gone down, which is a surprise.
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mine was around £450 this year; all mods declared, lost count of how many years no claims I've got, I'm 33 and live on a rock :laugh:
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So when a car has cruse control, xenons, wheels or leather fitted by the DEALERS and not at the factory is that classed as a mod? As a lot of options can be fitted at the dealers
That is another grey area, I would sooner tell them everything myself.
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:sad: :angry: :angry: :angry: :angry: Insurance have my pants down! I'm 26 with 6 years NCB, one SP30 and they want 750 p/year!! cant get much cheaper anywhere!
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Just got off phone with brentcare who have got it down to £1300 so it's getting better lol :lipsrsealed:
Type it into money supermarket with mods and got it to £1042 but just double checking with the insurance company :grin:
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Just got off phone with brentcare who have got it down to £1300 so it's getting better lol :lipsrsealed:
Type it into money supermarket with mods and got it to £1042 but just double checking with the insurance company :grin:
mint man! happy for you!!!
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I'm not lol, rang up and they have no records of the offer, wtf lol. So had to go trhu hassle of telling them everything again for them to say "I'll ring u back" :rolleyes:
Getting it cheaper. If ican get it for a grand or just over then I'll keep it :cool: otherwise bye bye :cry:
Got it for £1100 now which I know is still a lot of money but being young isn't always good :wink: same as being old isnt always a good thing :grin: :lipsrsealed: :wink:
So operation get this ready for inters is back on but running out of time :lipsrsealed:
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I pay almost £2000 a year for my insurance, the price we pay to have fast cars young i guess :cry:
Monthly wages go down considerably when the insurance comes out :grin:
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I pay almost £2000 a year for my insurance, the price we pay to have fast cars young i guess :cry:
Monthly wages go down considerably when the insurance comes out :grin:
your payin nearly what your cars worth to insure :shocked: :shocked: thats rippin this piss
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I pay almost £2000 a year for my insurance, the price we pay to have fast cars young i guess :cry:
Monthly wages go down considerably when the insurance comes out :grin:
your payin nearly what your cars worth to insure :shocked: :shocked: thats rippin this piss
It doesn't matter what car, what engine, what year, they will look at our age and rape us :grin: simple as.
Which is a shame as I know a lot of older drivers out there who look a lot more dangerous then younger drivers :lipsrsealed:
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I pay almost £2000 a year for my insurance, the price we pay to have fast cars young i guess :cry:
Monthly wages go down considerably when the insurance comes out :grin:
your payin nearly what your cars worth to insure :shocked: :shocked: thats rippin this piss
It doesn't matter what car, what engine, what year, they will look at our age and rape us :grin: simple as.
Which is a shame as I know a lot of older drivers out there who look a lot more dangerous then younger drivers :lipsrsealed:
i know a few that are more dangerous :lipsrsealed: :lipsrsealed:
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IType it into money supermarket with mods and got it to £1042 but just double checking with the insurance company :grin:
'm not lol, rang up and they have no records of the offer, wtf lol. So had to go trhu hassle of telling them everything again for them to say "I'll ring u back" :rolleyes:
If you can get the quote online then just take it out online. If you've declared it then it's declared. I had a similar situation with a car whereby the online quote was £800 cheaper than the 'over the phone' offer. I outlined this to the woman and her response was just to buy it online as she couldn't match it on the phone for some reason.
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I pay almost £2000 a year for my insurance, the price we pay to have fast cars young i guess :cry:
Monthly wages go down considerably when the insurance comes out :grin:
your payin nearly what your cars worth to insure :shocked: :shocked: thats rippin this piss
It doesn't matter what car, what engine, what year, they will look at our age and rape us :grin: simple as.
Which is a shame as I know a lot of older drivers out there who look a lot more dangerous then younger drivers :lipsrsealed:
Yup, paying more than what I paid for the car! Luckily i can afford it at the moment and will just have to keep hoping it comes down drastically the next year!
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Standard 1.8t £730 :cry: so paying like £300+ for mods :lipsrsealed: :angry:
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I wanted patch's ATR and it was £2800 p/a! :sad:
The golfs nowhere near that.
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That's not to bad mate!!
The joys of being young! Thankfully I can afford it :rolleyes:
Worth every penny imo