GolfGTIforum.co.uk
Model specific boards => Golf mk7 => Topic started by: mk7gti on 17 June 2013, 23:27
-
Just been pricing my insurance on the new GTI. £268 with protected no claims and legal cover. I'm a happy bunny as I pay around 400 on my Scirocco currently.
PS there was a car option for the launch cars with no adaptive cruise control which I though was interesting. I bet the price goes up if you select that option.
-
Lucky you. Mine came out at a cool £1000. However, I have NO 'no claims bonus' because I haven't had my own car for about 8 years! So I guess it's about right.
-
A grand? That's just idiotic. Who gave you that quote? Not those fools at Aviva was it? :evil:
Have you tired specialists like Adrian Flux? If they can't at least half that I'll eat my hat (Indiana Jones hat in case you wonder) or you must be 18!
-
A grand? That's just idiotic. Who gave you that quote? Not those fools at Aviva was it? :evil:
Have you tired specialists like Adrian Flux? If they can't at least half that I'll eat my hat (Indiana Jones hat in case you wonder) or you must be 18!
Lol ok. I used gocompare and comparethemarket. I'm not 18 (wish I was), I'm double that in fact. Been driving for nearly 20 years. Never had points or made any claim for more than 10 years. I just thought because I haven't had insurance in my name since 2004 and therefore no no claims bonus this was about right?
-
£760 from comparing meerkats, I'm 24 1 year NCD. Going to do the specialist brokers nearer the time.
-
Cheapest I got quoted was £183 fully comp (Compare the Market) and the dearest was £3000!!!
-
I was looking at about £240 a few weeks ago, until I got an NIP for speeding 2 weeks ago (first one ever). I'll be paying about £50 extra for having 3 points. :angry:
I really don't get why points are active for 3 years, but they stay on your licence for 4 years :huh: and insurance companies take them into account for 5 years. :huh:
Surely they should be on for 3 years and then after that they're non-declarable, as if they never happened?
-
£780 to add my GTD to a fleet policy, however any person from the age of 21 can drive it if they have my permission.
-
I just thought because I haven't had insurance in my name since 2004 and therefore no no claims bonus this was about right?
Well, what do I know? But if Hobojim got £760 and he's only 24 I think you should get better!
Hobo, you must be the youngest on here ordering a brand new mk7! Back when the mk5 was new my insurer (Aviva) refused to even quote me for a new one, or a 2yo one. :angry: They "don't insure that kind of car for someone of my profile" which basically meant age. I must have been 23 I think. Pissed me off because I'm a completely sensible driver who's never been in an accident. Ageism and sexism isn't tolerated anywhere else is it?
I fail to see a distinction between insurers and thieves, other than one of them is 'legal'. In this analogy I consider Aviva to be like the vandals who melt down hundreds of thousands of pounds worth of war memorial sculpture just to make £50 on the scrap metal black market.
Don't go with Aviva.
-
A grand? That's just idiotic. Who gave you that quote? Not those fools at Aviva was it? :evil:
Have you tired specialists like Adrian Flux? If they can't at least half that I'll eat my hat (Indiana Jones hat in case you wonder) or you must be 18!
Lol ok. I used gocompare and comparethemarket. I'm not 18 (wish I was), I'm double that in fact. Been driving for nearly 20 years. Never had points or made any claim for more than 10 years. I just thought because I haven't had insurance in my name since 2004 and therefore no no claims bonus this was about right?
Have you also tried adding another named driver? This can sometimes help reduce the premium
-
If it is just me on the insurance it is over 2k. I put my GF (27, 5yr NCD) and my parents ( pre-historic ) it brings it down to £760. Also moving from Manchester to Glasgow more than halves the quote!
Edit. Also when they introduced the no male/female difference to the quotes I noticed a big difference then on my current wheels. For friends who are over 25 it has made less of a difference. 25 still seems to be the magic number!
-
Also moving from Manchester to Glasgow more than halves the quote!
What? :shocked:
How the hell is Manchester twice the risk of Glasgow? Have you moved from the worst part of Manchester to the best part of Glasgow? Even if you have this makes no sense.
I have the feeling I should stop being confused by the lack of logic in the world and from now on just assume it.
-
I was looking at about £240 a few weeks ago, until I got an NIP for speeding 2 weeks ago (first one ever). I'll be paying about £50 extra for having 3 points. :angry:
I really don't get why points are active for 3 years, but they stay on your licence for 4 years :huh: and insurance companies take them into account for 5 years. :huh:
Surely they should be on for 3 years and then after that they're non-declarable, as if they never happened?
If they are your first points then you dont need to declare them. Its only if you get 2nd penalty for points that you need to. Not sure if all companies are the same though.
-
Also moving from Manchester to Glasgow more than halves the quote!
What? :shocked:
How the hell is Manchester twice the risk of Glasgow? Have you moved from the worst part of Manchester to the best part of Glasgow? Even if you have this makes no sense.
I have the feeling I should stop being confused by the lack of logic in the world and from now on just
assume it.
Manchester is on a blacklist for a lot of the specialist insurers as is Bradford. Uninsured drivers are the
biggest reason and then Personnel injury claims for putting up prices. A friend in the business say they refuse insurance claims a lot as it turns out the insured is driving on a foreign license and hasn't taken the UK test or changed their license to a UK one in time.
-
I was looking at about £240 a few weeks ago, until I got an NIP for speeding 2 weeks ago (first one ever). I'll be paying about £50 extra for having 3 points. :angry:
I really don't get why points are active for 3 years, but they stay on your licence for 4 years :huh: and insurance companies take them into account for 5 years. :huh:
Surely they should be on for 3 years and then after that they're non-declarable, as if they never happened?
If they are your first points then you dont need to declare them. Its only if you get 2nd penalty for points that you need to. Not sure if all companies are the same though.
It asks for "any convictions" so i'll have to declare them or risk voiding my insurance should the worst happen. For some insurance companies, having 3 points for speeding has almost no effect (seems to be the case for the more expensive insurers, but not for the cheaper ones for me (esure/sheilas wheels is by far the cheapest for me). There is more than £50 between policies for dear ones and cheap ones anyway, so switching to avoid the £50 loading does not pay for me.
Not sure whether i've been unlucky to be caught or lucky not to have been caught all these years - those mobile units are the toughest to avoid - by the time you see them (if you see them, and they're not hiding in bushes), they've got you.
Considering a detector but there are so many conflicting reports on good and bad ones based on not only the hardware, but the quality of the databases you update also.
-
Manchester is on a blacklist for a lot of the specialist insurers as is Bradford. Uninsured drivers are the
biggest reason and then Personnel injury claims for putting up prices. A friend in the business say they refuse insurance claims a lot as it turns out the insured is driving on a foreign license and hasn't taken the UK test or changed their license to a UK one in time.
When uninsured drivers are fined, or insurance fraudsters are caught and their assets compensated who gets the cash? Yet it is the law abiding lot of us who is paying high insurance because of these people (or because the insurers want to charge more and needed an excuse). Surely there should be no extra cost due to these things... the insurer should recover their money when the criminals are busted rather than it going into the hands of the police (or some other government department) who will only waste it on Q7s and speed cameras.
Yes, I'm very bitter about the attitude towards motorists in this country. Seems we have to pay for everything under the justification of the green lies propaganda that drivers are evil and are destroying the world because they hate nature.
-
I have the feeling I should stop being confused by the lack of logic in the world and from now on just assume it.
The logic seems to be on a similar vein to VW assigned build dates.
Most of the time location is the biggest variable after your age and NCD.
I live in a small town within the catchment of Newcastle upon Tyne, yet if I move 2 miles away to a village i'd save about 30% on my policy.
City>Town>village in terms of location risk, regardless of your commute and the big few cities of the UK: Cardiff/Liverpool/Manchester/Birmingham/London seem much higher risk than anywhere else.
I lived in Middlesbrough for a while and because it is a town and not a city, it generates lower premiums than Newcastle upon Tyne even though it is the car crime capital of the north east and receiives a little less traffic. I suppose you have to split the location risk into both the likelihood of being a crime victim and the fact that you encounter more cars in the city, increasing your likelihood of being in an accident.
-
Manchester is on a blacklist for a lot of the specialist insurers as is Bradford. Uninsured drivers are the
biggest reason and then Personnel injury claims for putting up prices. A friend in the business say they refuse insurance claims a lot as it turns out the insured is driving on a foreign license and hasn't taken the UK test or changed their license to a UK one in time.
When uninsured drivers are fined, or insurance fraudsters are caught and their assets compensated who gets the cash? Yet it is the law abiding lot of us who is paying high insurance because of these people (or because the insurers want to charge more and needed an excuse). Surely there should be no extra cost due to these things... the insurer should recover their money when the criminals are busted rather than it going into the hands of the police (or some other government department) who will only waste it on Q7s and speed cameras.
Yes, I'm very bitter about the attitude towards motorists in this country. Seems we have to pay for everything under the justification of the green lies propaganda that drivers are evil and are destroying the world because they hate nature.
Fines should go towards compensating the victims of the crime (or in this case to insurance companies on the assumption they use the money to reduce the loading burden of uninsured drivers), but it'll just end up in central or local government pockets.
-
Not sure whether i've been unlucky to be caught or lucky not to have been caught all these years - those mobile units are the toughest to avoid - by the time you see them (if you see them, and they're not hiding in bushes), they've got you.
Don't admit to anything, let them prove their case or piss off.
Considering a detector but there are so many conflicting reports on good and bad ones based on not only the hardware, but the quality of the databases you update also.
That won't help for mobile units will it? Oh no, I'm gonna get started on the police now when I only just finished my rant on insurers! :grin: :grin: :grin:
I don't see their strategy as working to be honest. In Bedfordshire they've extended the limits on all the A and B roads waaaay outside the villages on those roads, and most often taken them from 50 or 40 down to 30. The effect (on me at least) is that on entering the limit forcing a cut in speed from 60 to 30 there is no reason apparent to the driver, the road appears the same as before... so people ignore it. Then when they actually enter the village there is no "change" as they already passed that point 2 miles back and so they don't slow down for the bit they previously would have had the limit changed only when it needed to.
They've also started putting up signs indicating cameras on virtually every road. There are no cameras, but one of these mobile units turns up once a year to 'justify' the sign. This is pure entrapment. If they wanted to improve safety they would clearly signpost the signs only at the specific dangerous corners... not the entire road. If the entire road is so dangerous that it is an accident black spot at every point on its length then it shouldn't be open!
Then there is the average speed cameras on the A14. They make things worse too. The problem is the slow container trucks sitting in both lanes at 50 and 51mph and causing a massive tailback 20miles long with cars nose to tail. The solution is to ban trucks from the outside lane. Forcing everyone to spend extra time watching their speedos and not noticing the brake lights coming on in front of them reduces people's reaction time by critical seconds. The crashes on this road have nothing to do with speed and everything to do with stopping distances, but speed cameras mean fines so...
-
Agree with all of the above - just another revenue stream. The Road I was caught on has seen some agressive speed cuts recently. The official reason for the cut from 50 to 30 is a fatality that occurred a few years ago. What caused the fatality? A police car with it's blues and twos on, not in pursuit of a speeding driver, but on it's way to an incident (or more likely they heard all the bakery produce was getting reduced in the local Tescos). Will the lowering of the speed have any impact on the speed of the next police car that passes through with it's lights on? Nope!
-
What caused the fatality? A police car with it's blues and twos on, not in pursuit of a speeding driver, but on it's way to an incident (or more likely they heard all the bakery produce was getting reduced in the local Tescos).
Ok, this is second hand information now but still....
My barber tells me the same police car comes tearing past his shop lights and sirens blaring everyday at the same time (6pm or something, can't remember). Is there an incident everyday at that time, or is his dinner ready? You decide.
-
I was looking at about £240 a few weeks ago, until I got an NIP for speeding 2 weeks ago (first one ever). I'll be paying about £50 extra for having 3 points. :angry:
I really don't get why points are active for 3 years, but they stay on your licence for 4 years :huh: and insurance companies take them into account for 5 years. :huh:
Surely they should be on for 3 years and then after that they're non-declarable, as if they never happened?
If they are your first points then you dont need to declare them. Its only if you get 2nd penalty for points that you need to. Not sure if all companies are the same though.
It asks for "any convictions" so i'll have to declare them or risk voiding my insurance should the worst happen. For some insurance companies, having 3 points for speeding has almost no effect (seems to be the case for the more expensive insurers, but not for the cheaper ones for me (esure/sheilas wheels is by far the cheapest for me). There is more than £50 between policies for dear ones and cheap ones anyway, so switching to avoid the £50 loading does not pay for me.
Not sure whether i've been unlucky to be caught or lucky not to have been caught all these years - those mobile units are the toughest to avoid - by the time you see them (if you see them, and they're not hiding in bushes), they've got you.
Considering a detector but there are so many conflicting reports on good and bad ones based on not only the hardware, but the quality of the databases you update also.
But you havent been to court to be convicted so its not classed as a conviction. Its an SP30 speeding ticket which isnt classsed as a conviction.
-
I was looking at about £240 a few weeks ago, until I got an NIP for speeding 2 weeks ago (first one ever). I'll be paying about £50 extra for having 3 points. :angry:
I really don't get why points are active for 3 years, but they stay on your licence for 4 years :huh: and insurance companies take them into account for 5 years. :huh:
Surely they should be on for 3 years and then after that they're non-declarable, as if they never happened?
If they are your first points then you dont need to declare them. Its only if you get 2nd penalty for points that you need to. Not sure if all companies are the same though.
It asks for "any convictions" so i'll have to declare them or risk voiding my insurance should the worst happen. For some insurance companies, having 3 points for speeding has almost no effect (seems to be the case for the more expensive insurers, but not for the cheaper ones for me (esure/sheilas wheels is by far the cheapest for me). There is more than £50 between policies for dear ones and cheap ones anyway, so switching to avoid the £50 loading does not pay for me.
Not sure whether i've been unlucky to be caught or lucky not to have been caught all these years - those mobile units are the toughest to avoid - by the time you see them (if you see them, and they're not hiding in bushes), they've got you.
Considering a detector but there are so many conflicting reports on good and bad ones based on not only the hardware, but the quality of the databases you update also.
But you havent been to court to be convicted so its not classed as a conviction. Its an SP30 speeding ticket which isnt classsed as a conviction.
I may be wrong but i'm pretty sure you need to declare it to your insurance company regardless of whether it was a first offence or you were called to court
-
If they've issued points onto your license then it's a conviction, whether you fought the accusation in court or just copped to it. Gotta declare. SP30 is the standard code for going over the statutory speed limit. I won't get the option of doing a safety awareness course I don't think - 47mph in a 30 zone (that was a 50 zone) - they normally only allow you to attend one of those if you are within 6 or 7 mph of the speed limit.
-
If they've issued points onto your license then it's a conviction, whether you fought the accusation in court or just copped to it. Gotta declare. SP30 is the standard code for going over the statutory speed limit. I won't get the option of doing a safety awareness course I don't think - 47mph in a 30 zone (that was a 50 zone) - they normally only allow you to attend one of those if you are within 6 or 7 mph of the speed limit.
Granted this was a few years back, but I once got done doing 78 in a 50 zone - it was still an sp30 + 3 points, so you should be ok. Actually, thinking about it the time before that I got done doing 42 in a 30 (was down a hill and not a built up area) and that also was an sp30.
-
If they've issued points onto your license then it's a conviction, whether you fought the accusation in court or just copped to it. Gotta declare. SP30 is the standard code for going over the statutory speed limit. I won't get the option of doing a safety awareness course I don't think - 47mph in a 30 zone (that was a 50 zone) - they normally only allow you to attend one of those if you are within 6 or 7 mph of the speed limit.
Granted this was a few years back, but I once got done doing 78 in a 50 zone - it was still an sp30 + 3 points, so you should be ok. Actually, thinking about it the time before that I got done doing 42 in a 30 (was down a hill and not a built up area) and that also was an sp30.
Not expecting to get anything more than £60 fine and 3 points with SP30. I'm at the stage where they just want me to idntify the driver - I will post that back in a few days and then maybe i'll get to see a pic of the car doing 47mph and my oblivious face (I never saw them, they were probably hiding in bushes).
-
I just got a quote of £231 Fully Comp with protected No Claims. Same prices as my boggo 1.4s Mk6 :grin:
-
If they've issued points onto your license then it's a conviction, whether you fought the accusation in court or just copped to it. Gotta declare. SP30 is the standard code for going over the statutory speed limit. I won't get the option of doing a safety awareness course I don't think - 47mph in a 30 zone (that was a 50 zone) - they normally only allow you to attend one of those if you are within 6 or 7 mph of the speed limit.
Granted this was a few years back, but I once got done doing 78 in a 50 zone - it was still an sp30 + 3 points, so you should be ok. Actually, thinking about it the time before that I got done doing 42 in a 30 (was down a hill and not a built up area) and that also was an sp30.
Not expecting to get anything more than £60 fine and 3 points with SP30. I'm at the stage where they just want me to idntify the driver - I will post that back in a few days and then maybe i'll get to see a pic of the car doing 47mph and my oblivious face (I never saw them, they were probably hiding in bushes).
I've got an ancient snooper strabo that picks up every camera including mobile and hand held. Snooper are the best for camera detectors and they come with free lifetime updates most of the time.
-
Lucky you. Mine came out at a cool £1000. However, I have NO 'no claims bonus' because I haven't had my own car for about 8 years! So I guess it's about right.
Just a thought, have you been driving company cars?
If you have you should be able to use any period of no claims from your company car and convert this to a private insurance policy.
-
I've got an ancient snooper strabo that picks up every camera including mobile and hand held. Snooper are the best for camera detectors and they come with free lifetime updates most of the time.
Is that legal?
-
Lucky you. Mine came out at a cool £1000. However, I have NO 'no claims bonus' because I haven't had my own car for about 8 years! So I guess it's about right.
Just a thought, have you been driving company cars?
If you have you should be able to use any period of no claims from your company car and convert this to a private insurance policy.
No. I was just in and out of the UK often so it wasn't viable to keep a car. I called Adrian Flux it came out more expensive than Admiral (cheapest so far). It just has to be down to no NCD.
Anyway, I guess I'll have to start building it up again. I mean there are other ways I suppose. Like getting someone else to insure it (who has 5 years NCD) and me be a named driver and then insure myself on a banger whilst I build up the discount over the next few years. Too much hassle in the end though.
-
Put someone else on your policy as a named driver with lots of ncb and experience. it should give you slighter cheaper insurance in most cases. I've got my mum on my insurance and I'm 39yr old !! :grin:
-
Watch yourself with Admiral/Churchill/Elephant group - they tried to double my premium after a non fault accident on my parked car for which the other side paid everything. They filled their pockets by providing a courtesy car (bog standard Golf match) at the rate of £437 per week (When I had a 170TDI Golf GT Sport) which turned out to be a canny earner seeing as Benfield dragged out a 2 week repair to 7 weeks (and it was still sh!te). You never know how good your insurance are until you go to make a claim.
However, Churchill were excellent as the 3rd party insurer when my current Scirocco got clattered by one of their drivers - very quick to avoid getting shafted by my insurance by ringing me up within minutes of the recovery truck arriving for my car, to offer me any car of my choosing at my local Enterprise up to £30 a day (I ended up with a Merc M350 which sat outside my house for a few days as a whiplash injury kicked in about 18 hours after the accident). They rang me way before I had the opportunity to speak to my insurer, so they'd accepted blame immediately (not hard to determine fault when I was sat in a parked car outside the wife's workplace and someone from another unit in the industrial estate went up the back of me).
Quick to fill their pockets at the other party's expense but also quick to prevent it happening to them.
-
We need a 'best insurance company in the event of a claim' thread
-
If it is just me on the insurance it is over 2k. I put my GF (27, 5yr NCD) and my parents ( pre-historic ) it brings it down to £760. Also moving from Manchester to Glasgow more than halves the quote!
Edit. Also when they introduced the no male/female difference to the quotes I noticed a big difference then on my current wheels. For friends who are over 25 it has made less of a difference. 25 still seems to be the magic number!
Hobo Jim who did you get the quote off???
Thanks in advance.
-
Any professionals on here solicitors, accountants, teachers etc aon do a family motor policy which is significantly cheaper then any other provider out there. It's a multi car policy so you can have up to 7 cars on each policy.
By way of example I have no no claims as I have been a names driver for the last 10 years. My 2.0 tdi sline a3 in my name with no no claims the cheapest I got was 2230. with aon it reduced to 630. I have been told my gtd is 820pa. But will reduce next year as I will have one years no claims (touch wood). I have today added my dads focus run around to the policy and the focus insurance for the remaining 6 months of the policy is 170 quid. For someone like me who lives in area where insurance is sky high this policy is the one.
-
If it is just me on the insurance it is over 2k. I put my GF (27, 5yr NCD) and my parents ( pre-historic ) it brings it down to £760. Also moving from Manchester to Glasgow more than halves the quote!
Edit. Also when they introduced the no male/female difference to the quotes I noticed a big difference then on my current wheels. For friends who are over 25 it has made less of a difference. 25 still seems to be the magic number!
Hobo Jim who did you get the quote off???
Thanks in advance.
It was with Elephant, (Admiral Group)