GolfGTIforum.co.uk
General => General discussion => Topic started by: WalkeruK on 04 December 2005, 14:24
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17 just passed test so no ncb etc looking to get a mk2 golf what kind of insurance would i be looking at for 1.3 - 1.6 golf mk2? thanks in advance search is not my friend.
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Go onto www.confused.com you just fill in your details once then it searches through all the online insurance companies and gives you loads of quotes.
For my first car (1.6 driver) i had to go on my mums insurance and it was 1200 with my mums 1 year no claims (third part fire and theft). I think no matter what engine you get all golfs seem to have high insurance.
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1.6... will be really high, mine was £550 3PFT with 1 years ncb as the car standard!
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go to www.elephant.co.uk and choose the 10month bonus accelerator scheme, your only insured for 10 months but you get a full years ncb at the end of 10months, really cheap aswell,im 19,no ncb, golf gti 1.8 16v, with mods lowered and full exhaust system, £935 tpft.
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I'd recommend Elephant as well.
My first Golf (Mk2 GL 1.8 ) cost me 1200 to insure using Ensleigh/Norwich Union, but now I'm with Elehpant and their quotes always seem to be Confused.com .
Try some of the VW specialists, they seem pretty decent, Adrian Flux or
BrentAcre VW Insurance Specialists (01792 650933) or Greenlight insurance (0870 7535455). Some will also allow you mods too.
Watch out though with Elephant, I went for the 10month bonus Accelerator scheme, but when I went elsewhere for quotes after completing 10months, they said it wasn't worth 1yr no claims, so would only quote me for zero no claims.
So I've had 2x 10month bonus accelerator policies, to earn me "2yrs no claims", which Elephant were happy to use to get me a new full 12month policy.
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Elephant seem alright, i just got a test quote for the kind of golf im planning on getting in a few months and the quote came out as £2832.41 (18/male/manchester/0-Years NCB/1 month Full licence-Pass Pluss/3rd Party Fire+Theft/No mods) but shot up to £3324.76 if i declared the mods i wish to do to it (Suspension lowered <5cm, tinted windows >30%, nicer interior, alloys, De-badged grill etc - the usual small mods that make alot of difference to the style.)
But thats all for a MK3 so i'd imagine its considerably lower for mk2! :) Will defenitly have to check them out when i get the car.
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Did you put one of your parents on the quote as a named driver ?
When you're young it helps to put someone over 30 on the insurance, even if they will never drive the car in reality, it just looks better to the insurance company.
Elephant don't seem to be as good with mods unless you live in an exceedingly safe area.
Oh yeah, if you are a student, away at uni, make sure you insure it at your parents house (if it's a safer area).
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Nah, that was with just me on the insurance - and im not a student! :) Putting my dad on may drop it quite a bit (He's got about 25yrs without an accident).
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yeah but in my case i cna't put my parents on.. cos they may have to put my lil bro on theirs... as its expensive and also they both got a policy each already! argh!!!
Insurance companies know that when u put a young perons on your insurance... i think its daft, may aswwell collect your own no claims from word go i think, then at 21 you got 4 yrs ncb (hopefully) and can insure better casrs for less!!!
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yeah but in my case i cna't put my parents on.. cos they may have to put my lil bro on theirs... as its expensive and also they both got a policy each already! argh!!!
Insurance companies know that when u put a young perons on your insurance... i think its daft, may aswwell collect your own no claims from word go i think, then at 21 you got 4 yrs ncb (hopefully) and can insure better casrs for less!!!
Thats true! My dads still trying to persuade me to go for something "More sensibile" for a first car (He's talking about *snigger* 1litre metros!)
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Wow! I just did some playing around on elephant, and if i add my dad on to the policy as a 2nd driver for a mk3 1.5CL golf the quote drops from £2800 to £2333 ! Not bad! but still quite pricey... Although if i change to a '95 model Polo L (Small engine i know!) the quote drops to £1900! not bad! Quite like polos too, they may not be sporty but comfy drive - its what im learning in at the moment. So when it comes time i may dish out for a Polo instead of the golf i wanted, then after ive paid out the cash for buying the polo and insurance i can save up and get myself a nice mk2/mk3 golf - Sorn it and work on it until i have it the way i want, then by the time ive done any mods/work on the car it needs i should have a years NCB too add onto getting the insurance lower! sounds like a plan to me!. What do you guys think?.
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i found that if you phone them they are cheaper, i was quoted 1380 on the net, phoned elephant and it was actually £930, i also found that when i put both my parents on my insurance aswell, the cost actually went down by about 150 pound,
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Yeah, i added my mom onto the polo quote and it dropped to £1800. I think ill be getting myself a small polo for my daily driver and giving elephant a call early next year!.
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TBH man, a metro aint a bad thing, think about it, would you rather pay through the nose for a Golf now, or wait 1 year with 1 years NCB. Where it will be financially alot smarter?
Just something to think about.
Cra1g
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Thats true! My dads still trying to persuade me to go for something "More sensibile" for a first car (He's talking about *snigger* 1litre metros!)
It's a fact of life matey, you need to start off with a smaller engined car to get the no claims bonus up, my first insurance years ago was £275 TPFT and I wouldn't have even considered paying over 1k. Best bet is to take your time and dont walk before you can run. :wink:
Oh no, I just realised I probably sounded like your dad. :shocked: :laugh: :laugh:
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go on to www.confused.com you type in your details once and it searches round all the online insurers and gives you about 12 quotes. I got some guddens on my scirocco, with my points and claim taken into consideraton.
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...my first insurance years ago was £275 TPFT....
What year was this in? :rolleyes: :wink:
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^^^ err 1941!
only kiddin' :grin: :laugh:
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...my first insurance years ago was £275 TPFT....
What year was this in? :rolleyes: :wink:
Not telling ! :tongue: It was a cheap car though, a 1973 1.3 :laugh: :laugh:
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i had my 1.4d 106 first car, and it was great for a first car.. after 18months i got my golf (that i wanted from word go - much to the disgust of my mates who to this day still think the crappy 106 is better - some of them cant drive yet and they 19!!)
so tbh i think its the ebst way forward unl;ess you got loadsa money?!
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Forget the metro - get a mini!
They great, noones gonna sniff at one and you can have the golf in a year or so when you have some ncb's. its what i did and now i still have my mini even though im driving round in the gti i wanted to start with.
I remember when i was 18 i got quoted £1700 for the golf and the mini was £460, so it made sense. and now i have 3 years ncb the golf only costs £620.
:smiley:
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I was quite intrested in the mini, but around here all you can get are either low priced rust buckets or decent minis that are stupidly over priced!.
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I was quite intrested in the mini, but around here all you can get are either low priced rust buckets or decent minis that are stupidly over priced!.
Didn't you say your dad was in the motor trade ? :wink: Get him on the case, he must have some contacts somewhere that can get a decent cheap runabout.
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I was quite intrested in the mini, but around here all you can get are either low priced rust buckets or decent minis that are stupidly over priced!.
Didn't you say your dad was in the motor trade ? :wink: Get him on the case, he must have some contacts somewhere that can get a decent cheap runabout.
We actually have a garage literally around the corner which deals in just classic minis, his forecourts full of them - But they're that overpriced some have been there for as long as i can remember! Its crazy.
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Yeah minis are cool, but as you said, their either cheap rust buckets or the decent ones are very expensive.
Go for a Polo. I bought a Mk2 Polo (D reg) for £150 off ebay last year as a run around, 1litre engine, was lots of fun driving it round the yorkshire dales.
I now have an N reg Polo L, but with the 1.4 engine, it's really nippy, fun round country roads and comfortable for long journeys. Electric mirrors, airbag, full service history, 1 owner (slightly high mileage) but all for £1000.
Costs me £660 to insure, but I'm a high risk apparently cost I work in Radio and live in London.
Will be getting another Mk2 GTI soon, when the Mrs has passed her test.