GolfGTIforum.co.uk
Model specific boards => Golf mk7 => Topic started by: Cossieian on 28 October 2015, 17:03
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So collecting my R tomorrow evening, and this morning it suddenly dawned on me I've never even checked insurance for it :huh:
So I phoned my insurance company this morning, and to change over from my GTD which costs £275, my new premium is now £290 :smiley: and that is only because of a £15 admin charge.
I guess it pays to be in your 30s :cool:
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Nice one Cossieian! I think the slow speed automatic breaking makes a big difference. My GTI insurance was about the same. When I bought my first car, a mk2 2l Capri nearly 30 years ago, it was a smidge over £400!
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So collecting my R tomorrow evening, and this morning it suddenly dawned on me I've never even checked insurance for it :huh:
So I phoned my insurance company this morning, and to change over from my GTD which costs £275, my new premium is now £290 :smiley: and that is only because of a £15 admin charge.
I guess it pays to be in your 30s :cool:
Just paid my insurance for my GTI PP £204 , guess it pays to be in your 50s :grin:
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Yes Insurance cost for the R surprised me I went from a 520D BMW and received a refund :smiley:
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So collecting my R tomorrow evening, and this morning it suddenly dawned on me I've never even checked insurance for it :huh:
So I phoned my insurance company this morning, and to change over from my GTD which costs £275, my new premium is now £290 :smiley: and that is only because of a £15 admin charge.
I guess it pays to be in your 30s :cool:
It's one of those things you can surprisingly forget and remember the night before. :laugh:
Yours is the exact same price I'm paying with Direct Line. It's a bit higher than I was paying for the GTI but not much. Pays to be in your 40's too. :wink:
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Make sure you get a GAP policy (and not from the dealer)!
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Make sure you get a GAP policy (and not from the dealer)!
Yes I've been looking into this, when it says return to invoice, do they need the exact price your paying for the car? I know roughly what I'm paying but not 100% until I collect it tonight
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I was also pleasantly surprised when I changed to my GTI from a Passat CC. I was paying £650 on the CC (I was 26 at the time) and then changed to the GTI (collected the day after my 27th Birthday) and the insurance dropped to £315! As mentioned above, I think it's mostly to do with the ACC sensor on the front.
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Yes I've been looking into this, when it says return to invoice, do they need the exact price your paying for the car? I know roughly what I'm paying but not 100% until I collect it tonight
It helps to know exact price but if not as close as can be. Look at ALA. I went with them and used Money10 discount code. Might still work. For mine I paid £180 with 10% discount. Vehicle Replacement Plus is the better policy.
I went for the 3 year full Vehicle Replacement Plus Policy with a max benefit of £20k (the amount required to cover difference between what your insurer will pay out and cost of replacement vehicle). By comparision VW GAP quote was massively overpriced (as always) at £299 and that is only for 'return to invoice' policy which is the lesser one.
Vehicle Replacement Plus (VRP) is what you want - gives you full price of replacement
A Vehicle Replacement Insurance policy will, in the event of a Total Loss claim, either pay the difference between the Comprehensive Insurance settlement and replacing your vehicle new for old (or with a vehicle of a similar age to the one originally bought) or the outstanding finance, whichever the greater. It is suitable for vehicles owned outright or on finance and for new and used vehicles up to 7 years old, with fewer than 80,000 miles, delivered within the last 180 days.
Return to Invoice - only gives you what you actually paid (after any discounts).
This GAP Insurance policy will, in the event of a Total Loss claim, either pay the difference between the Comprehensive Insurance settlement and your original invoice price or clear the outstanding finance, whichever the greater. It is suitable for vehicles owned outright or on finance and for new and used vehicles up to 10 years old, delivered within the last 180 days.
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Good tip the Money 10 is still working and I have just signed up to a policy. Thanks
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I did the ALA Replacement Plus policy - as noted it's only a few pounds more but worth it if you secured discount and the invoice price may not replace your car unless you secure similar discount.
I see you're picking up a day early - nice - and the weather's looking good for your first few days of ownership :cool:
We'll have to meet up somewhere for a coffee and Golf chat - I can say that with the confidence that your Golf R will not unsettle me :undecided: as I'm more than happy with the GTI :grin:
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Does everyone declare their factory modifications?
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Does everyone declare their factory modifications?
As in extras?
Taking that further, if you are the second owner you would never know what was standard from the factory and what was an extra.
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Does everyone declare their factory modifications?
I've mentioned 'optional extras) to insurers in the past and always been told they don't class them as 'modifications' if they are factory specced.
And as Steven (p3asa) says only the original owner would know for sure what they are.
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Does everyone declare their factory modifications?
If the car came from the factory with it then I would not define it as a modification. A modification is something that has been changed post-build. An insurance company should not penalise you for selecting an option when ordering a new car. There might be some that would only replace the basic car, but quite often you only get to know how sh!te an insurance company is when you need to make a claim - i've been treated quite shabbily for 1 non-fault claim that was fully paid up by the other side in the GTD last Nov, and i'm about to tell them to shove their renewal up their arse!
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So collecting my R tomorrow evening, and this morning it suddenly dawned on me I've never even checked insurance for it :huh:
So I phoned my insurance company this morning, and to change over from my GTD which costs £275, my new premium is now £290 :smiley: and that is only because of a £15 admin charge.
I guess it pays to be in your 30s :cool:
Just paid my insurance for my GTI PP £204 , guess it pays to be in your 50s :grin:
Do you mind telling me who you're insured with?
I've just ordered the same car and that seems like a great price.
I'm in my 50's also :sad:
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The general consensus among insurers is that if it can be ordered and fitted when the car is built it is not a modification. The only time I have found this not to be the case was admittedly a few years ago with another Golf when I was ringing around for quotes and spoke to the company that claims to "quote you happy" their stance was anything other than standard build was going to cost you extra. Even metallic paint.. WTF :angry: !!!
What I consider to be a bigger ball ache every year is the annual reminder that lands on the door mat that is always about £50-100 dearer than the premium is if you do a like for like quote online. Every year I ring up and they never have any justification for the extra charge and end up doing it at the lower price.
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Every year I ring up and they never have any justification for the extra charge and end up doing it at the lower price.
It's their reward for your loyalty/apathy. Always shop around, you get nowt for loyalty, and if your car insurance is due within a month, order it today to beat the insurance tax going up tomorrow. I'm about to do mine as it is due on the 23rd.
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That's quite interesting really, if you don't declare you fact fit sat nav that's cost £1700 then will they pay out for it? If it gets
a) Stolen or
b) the car is totally written off.
What about your £2000 odd quid factory fit nappa leather? Most insurance companies that I ask state they will write it down and generally it doesn't effect the price. But at least its then covered. I was surprised to see gocompare valuing my 1 year R at 24.5-26.5k. I think it would cost more than that to replace a DSG one.
Most insurance polices have a feeble audio cover if stolen in the small print. usually less than £1000. Just imagine going to a dealer and asking for a replacement Disco Pro. I am sure it would be £2K+ fitted.