GolfGTIforum.co.uk
Model specific boards => Golf mk7 => Topic started by: hastd2 on 23 November 2013, 19:44
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Hi Guys, ould like to know who you are using for insurance for your Gti/Gtd's
had a quote today from Esure for me & the wife fully comp protected for £205 with £150 Excess :smug:
Seems pretty good to me, if there is any other Insurers out there willing to match or beat todays quote please let me know
Cheers
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Hello
I used Hastings insurance I paid £151.
Thanks.
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This is ridiculous it's going to cost me best part of a grand to insure my gti when it comes and you could be insured for the best part of a decade for that!
Don't think you'll see that quote beaten.
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Blimey, I'm gonna get a quote from Hastings when my Gti finally arrives! That's an excellent premium. When I was thinking of getting a GTi I went on confused.com and got cheapest quote in at £225, however got no claims since god knows when, so I should in theory get something better.
But you know, insurance quotes don't quite make sense. If anyone can throw any light on it, please do. Why is the cheapest quote for my current car, 2008 Honda Civic 1.8, so much more expensive, than a new and much faster GTi???
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Because age and performance of the car are not the principal considerations when quoting a premium Gina!
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Because age and performance of the car are not the principal considerations when quoting a premium Gina!
What are then please?
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Because age and performance of the car are not the principal considerations when quoting a premium Gina!
What are then please?
there are too many variable which make up insurance premiums.
Car class
Insurance group
Post code
Storage over night
Annual mileage
Insured value
No claims years
Age
Employment
Your profession
I'm renewing mine, going to cost another £200 approx to take me until June 2014
My polo cost £430ish so that makes mine £630ish pa!!
But insurance companies try and make extra when you renew or change cars midway.
My R32 costs me £240pa and my brothers Golf £500ish
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This is ridiculous it's going to cost me best part of a grand to insure my gti when it comes and you could be insured for the best part of a decade for that!
Don't think you'll see that quote beaten.
How is it costing you that much?
At 20, I though my insurance would be pretty hefty. Admittedly, mine's a GTD, and the insurance was £620. I did try on a GTI as that was always a consideration, and it was only £50 more.
I got mine through compare the market with Elephant.
The big thing which got my insurance down was named drives. With just me, it was £1800. With me, my partner, and my two brothers, it came down to £700!
After then playing with a few other bits, it was cheaper to say I leave the car on the road instead of a garage.
It was cheaper to start the policy 30 days in advance, then call them when taking it out instead of buying online and get them to put the policy to the day you actually want. Doesn't change the price.
Try your profession out with different job titles as some shoot it right up. For me, a car salesmen was twice the price of a sales executive working in the motor trade.
And my variables are. I'm 20. Held licence 2.8 years. No NCB (due to being made up on a company car which somehow doesn't count??). I do however live in a safe Post Code.
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Because age and performance of the car are not the principal considerations when quoting a premium Gina!
I know, but the car is the only difference when applying for premium quotes. What makes the MK7 Golf GTi so much cheaper to insure than a 5 year old 1.8 Civic?
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@Gina, one aspect is the active safety (braking) equipment. Newer cars are generally easier to repair and more secure too.
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Thanks Mark V GTD, that makes sense. :smiley:
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Because age and performance of the car are not the principal considerations when quoting a premium Gina!
I know, but the car is the only difference when applying for premium quotes. What makes the MK7 Golf GTi so much cheaper to insure than a 5 year old 1.8 Civic?
The front radar , city impact avoidance reduces the insurance group by about 6 groups so that must be a major reason for cheaper insurance
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Just got quoted £229 on the GTD - 48 yo male, 9 years NCB. Car in private parking (Hertofordshire).
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Just got quoted £229 on the GTD - 48 yo male, 9 years NCB. Car in private parking (Hertofordshire).
try the quote with it parked on the street :smiley:
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I renewed my insurance last week. I've just turned 22 and it cost be £595 with admiral. 3yrs NCB.
J
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Another major factor in premiums is the underwriters claims experience from that particular make/model apart from the normal groupings etc
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try the quote with it parked on the street :smiley:
Didn't have any effect - still £229!
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Was quoted £264 just over a month ago, had to renew yesterday and same firm (esure) took £296 - 9% rise in a month. 38y/o, 12 years no claims, 1 non fault accident 2 years ago (car hit my parked Scirocco whilst waiting for the wife outside her work) and 3 points for speeding (SP30), parked on driveway. Premium includes protected no claims and total excess of £200.
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£165 quote for the GTI.
Postcode has a lot to do with it. My 21year old daughter has just renewed her insurance on her Clio and got it for £260 with £70 cashback going via quidco. So £190 for a 21 year old!!
Profession also makes a difference. Have a look at this page as you can pick a profession similar to yours and save money.
http://www.moneysavingexpert.com/insurance/car-insurance-job-picker/
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Yes I agree. Geography has a lot to do with it - if you are in London or home counties it will be a higher premium regardless of car or individual.
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Was quoted £264 just over a month ago, had to renew yesterday and same firm (esure) took £296 - 9% rise in a month. 38y/o, 12 years no claims, 1 non fault accident 2 years ago (car hit my parked Scirocco whilst waiting for the wife outside her work) and 3 points for speeding (SP30), parked on driveway. Premium includes protected no claims and total excess of £200.
Sounds about right for round here to me.
Some cheap quotes posted here must be some cheap post codes down south. :laugh: It does not seem to matter what I get quotes on everything from an i10 , GTI, R or caymanS is around 250 give or take 30 quid. :sad: . But an R8v10 is only 500 :evil:
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I wish my insurance was that cheap! Been driving 14 years with 13 years NCB and i'm always ~£500!! :sick:
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I know that one of the bigger drivers of insurance premium is your annual mileage...
The insurance premium on my 911 reduced by almost 40% when I reduced my annual mileage on renewal from 20,000 to 10,000... I'll do less than that next year... the GTD is coming to do all the mundane miles :smiley:
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This is ridiculous it's going to cost me best part of a grand to insure my gti when it comes and you could be insured for the best part of a decade for that!
Don't think you'll see that quote beaten.
How is it costing you that much?
At 20, I though my insurance would be pretty hefty. Admittedly, mine's a GTD, and the insurance was £620. I did try on a GTI as that was always a consideration, and it was only £50 more.
I got mine through compare the market with Elephant.
The big thing which got my insurance down was named drives. With just me, it was £1800. With me, my partner, and my two brothers, it came down to £700!
After then playing with a few other bits, it was cheaper to say I leave the car on the road instead of a garage.
It was cheaper to start the policy 30 days in advance, then call them when taking it out instead of buying online and get them to put the policy to the day you actually want. Doesn't change the price.
Try your profession out with different job titles as some shoot it right up. For me, a car salesmen was twice the price of a sales executive working in the motor trade.
And my variables are. I'm 20. Held licence 2.8 years. No NCB (due to being made up on a company car which somehow doesn't count??). I do however live in a safe Post Code.
Bet your excess is bout £400 though right?????