GolfGTIforum.co.uk
General => Insurance => Topic started by: xzakx9 on 06 January 2008, 22:44
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im 17 with mk2 golf 1.6.....its my first car im now looking at quotes it has modifications ie, alloys, lowered 40mm, exaust, big bumper kit, and a couple of little things, i have got some quotes but they are all arround the 2,000 figure.......and i dnt have that kind of money.....can anybody help??????
thankyou
zak
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hate to pi$$ on your parade, but 2 grand probably is a fair quote!
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definatly about right, i'm looking to get a GTI, and quotes for a 8V GTI are around £1600, i'm 20 with 1 year ncb and 2 year license.
Dan
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Ive got an un-modified mk2 1.6 and it cost me £1867.56 :sad: luckily ive got an amazing gran with big pockets who is letting me pay her back bit by bit.
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my 2 litre 8v is £1900 and im 19!
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aha but when we went driving you were about 20x faster lmao
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what insurance companry should i go for then?
zak
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aha but when we went driving you were about 20x faster lmao
Lol, i drive within every limit dec, im not fast, im more of a snail.
Most of the CHEAP places are cheap becuase they dont insure mods... So to be honest, your stuff. Dont declare the mods and get a cheap quote from someone like bell? But if you crash, ouchersss are you in teh rough. Up to you really.
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at 17 with a modified car you are asking for trouble to be honest, its annoying even for me now at 21! I would just be prepared to pay a lot for your first year until you get a years no claims under your belt.
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what insurance companry should i go for then?
zak
I went with www.LV.com and got a 5% discount because my mum is with them :tongue:
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A years no claims dont mean $hit. Its just a BONUS. Lets all face facts:
Your going to get raped for insurance until your 25!!
Honestly, 2 grand is a good deal.
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Yeah, unfortunately don't expect with 1 years NCB that it'll be alot cheaper and they'll be totally fine with the mods.
I've done really well for myself this year, 18 2 years NCB (1 year + 1 year free which they accepted) on a 1.8 driver was £720ish. I'm hoping that next year when I'm a member of the Institute of Advanced Motorists, 19 and with 3 years NCB they'll insure me for about the same price with mods done.
Even if a mod is just small like a back box and doesn't change anything but the looks and the sound slightly, they'll still rape you at a young age due to it being associated with boy racers/chavs/people that drive their car fast and wrap them round a lamp post.
I still think it's unfair that mods like brake upgrades and strut braces can make you pay more.. Better brakes make you stop quicker! So you don't hit that tree! I can understand roll cages though.
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Try www.bell.co.uk mate
Got a fairly good quote with them for my daily mk4 1.6
Add your parents on as named driver and the price will come down
Got a quote for my GTi for mods with one years no claims and its not too unreasonable
Check it out :smiley:
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My insurance only went down £100 when i put my dad on it :undecided:
Do actually need him on it though :grin: so its all gurd
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Every penny counts :laugh:
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mines a 1.6 im 17 doing my lincense 2 grand, are the quotes ave been getting
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there anit much u can do 2k sounds good, im 19 and got a 1.6CL and im payin £1600 TPFT. im payin monthly and at first i had to pay a chunk i think around £400. and i pay £136 a month now. thats with quinn direct. they were the cheapest of me as i live in west london and the best thing is that i can drive other cars. iv got a few mods induction kit, 40mm drop, alloys and a DTM exhaust. give quinn a call.
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quinn direct is where i got my quote
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there gonna b the best m8. my m8 got a mini copper old skool 1. and he changed his insure company and he now pays £1100 and that full comp with them. £400 cheaper then who he was with. i shopped around for 2 months and they were theh cheapest.
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quinn direct is where i got my quote
Quinn direct were quoting me £700 more :sad: So when i passed my test in december, i just went with LV :smiley:
Worth getting a quote with a few companys because whats cheap for one person might not for another :undecided:
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A years no claims dont mean $hit. Its just a BONUS. Lets all face facts:
Your going to get raped for insurance until your 25!!
Honestly, 2 grand is a good deal.
I wouldn't say that roughly £350 for a mk2 16v at 21 is strictly rape!? :wink:
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Yep, but hes 17, until your 21 it dont get hit down :undecided:
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ive gt the same problem as u, im 17, got a mk2 1.6 driver, its got GTi interior, GTi suspension, front spoiler and new light clusters.
Im not gonna declare my interior, cos they will only cover it fully comp, which is 2700. or GTi suspension, also fully comp, and so is front spoiler!
Im only declaring lights, and soon air filter. they dnt put ur insurance up, im going 3rd aprty fire and theft and i got quaoted £1683.40 inc windscreen cover. go on www.17to40.co.uk (http://www.17to40.co.uk)
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ive gt the same problem as u, im 17, got a mk2 1.6 driver, its got GTi interior, GTi suspension, front spoiler and new light clusters.
Im not gonna declare my interior, cos they will only cover it fully comp, which is 2700. or GTi suspension, also fully comp, and so is front spoiler!
Im only declaring lights, and soon air filter. they dnt put ur insurance up, im going 3rd aprty fire and theft and i got quaoted £1683.40 inc windscreen cover. go on www.17to40.co.uk (http://www.17to40.co.uk)
1. WHY are you telling people you wont declare things.....
2. Hope you dont crash with those undeclared parts, as they are seen as performance... suspensions means you will take corners harder etc
:rolleyes:
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ive gt the same problem as u, im 17, got a mk2 1.6 driver, its got GTi interior, GTi suspension, front spoiler and new light clusters.
Im not gonna declare my interior, cos they will only cover it fully comp, which is 2700. or GTi suspension, also fully comp, and so is front spoiler!
Im only declaring lights, and soon air filter. they dnt put ur insurance up, im going 3rd aprty fire and theft and i got quaoted £1683.40 inc windscreen cover. go on www.17to40.co.uk (http://www.17to40.co.uk)
1. WHY are you telling people you wont declare things.....
2. Hope you dont crash with those undeclared parts, as they are seen as performance... suspensions means you will take corners harder etc
:rolleyes:
just letting him know. cheaper insurance in something tht looks like it came with the car, cos its a driver, same as GTi but with standard engine, so they cant say ive modded it.
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ive gt the same problem as u, im 17, got a mk2 1.6 driver, its got GTi interior, GTi suspension, front spoiler and new light clusters.
Im not gonna declare my interior, cos they will only cover it fully comp, which is 2700. or GTi suspension, also fully comp, and so is front spoiler!
Im only declaring lights, and soon air filter. they dnt put ur insurance up, im going 3rd aprty fire and theft and i got quaoted £1683.40 inc windscreen cover. go on www.17to40.co.uk (http://www.17to40.co.uk)
1. WHY are you telling people you wont declare things.....
2. Hope you dont crash with those undeclared parts, as they are seen as performance... suspensions means you will take corners harder etc
:rolleyes:
just letting him know. cheaper insurance in something tht looks like it came with the car, cos its a driver, same as GTi but with standard engine, so they cant say ive modded it.
What are you smoking???
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it's not THAT bad is it?? :cry:
meh :evil:
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Im holding off big mods until next year :undecided:
Getting big bumpers soon but ill get my dad to explain to the insuance to see if they count or not. But ive got the extra £Â£Ã‚£ if they put it up :rolleyes:
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I remember when I was 17 and had a 1.4 Seat Ibiza.. They wanted an extra £400 for sticking a K&N induction kit on! That was from £1250
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I'm 18 with a Mk2 1.6 Driver. Completely standard.
Looking at renewal quotes this march, and looks like i'll be paying around £130 a month with direct line :undecided:
Best quote i can find.
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haha tried a quote with lv, they told me i was too young, lol im almost 20
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haha tried a quote with lv, they told me i was too young, lol im almost 20
:huh: hmm lol
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Come and live in Guernsey:
I'm 18 in my first year or driving, got a 8v GTI - Fully Comp.... £700 a year
If i ever go to UK I can keep the car registered to my parents house in Guernsey stay on Guernsey insurance and if I have a crash ill be "visiting my grandparents".
:grin:
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lv wouldnt work..... :embarassed: 17to40 didnt work......i want to declare all my mods, how do people rate adrian flux ????
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adrian flux seem to be good to me
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I'm with adrian flux...recommend them.
I'm 21 with a modified Mrk 2 16v 1.8 Gti (superchipped n that) and it cost me £978 fully comp :)
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I'm with adrian flux...recommend them.
I'm 21 with a modified Mrk 2 16v 1.8 Gti (superchipped n that) and it cost me £978 fully comp :)
That isnt the best really..... for being 21.
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I'm with adrian flux...recommend them.
I'm 21 with a modified Mrk 2 16v 1.8 Gti (superchipped n that) and it cost me £978 fully comp :)
That isnt the best really..... for being 21.
no no claims though. I'm sure I could get it a little cheaper but Adrian Flux is good :)
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insurance is a rape, im payin £1500, Fully Comp, to insure my 2001 polo 1.4 16v with quite a few mods, im 19 with 3 point for speeding and 0 NCD. thats with Admiral, they were the only ppl that wood insure me, most sed i cant have a modded car at 19 :rolleyes:
to insure my MK2 GTI, bog standard, is £1700 on TPFT :cry:
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insurance is a rape, im payin £1500, Fully Comp, to insure my 2001 polo 1.4 16v with quite a few mods, im 19 with 3 point for speeding and 0 NCD. thats with Admiral, they were the only ppl that wood insure me, most sed i cant have a modded car at 19 :rolleyes:
to insure my MK2 GTI, bog standard, is £1700 on TPFT :cry:
Says it all, your 19 with a modded car, you got done for speeding..... so your not the safest driver.... have 0NCD so you havnt kept a policy long. and £1500 fully comp isnt bad, you should be happy!
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insurance is a rape, im payin £1500, Fully Comp, to insure my 2001 polo 1.4 16v with quite a few mods, im 19 with 3 point for speeding and 0 NCD. thats with Admiral, they were the only ppl that wood insure me, most sed i cant have a modded car at 19 :rolleyes:
to insure my MK2 GTI, bog standard, is £1700 on TPFT :cry:
Says it all, your 19 with a modded car, you got done for speeding..... so your not the safest driver.... have 0NCD so you havnt kept a policy long. and £1500 fully comp isnt bad, you should be happy!
agreed...thats a good quote for ur position...
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Indeed, i pay more for TPFT with no mods, and i have no points. so there we go.
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ok fair one, spose it aint too bad :smiley:
but i did get my points nearly 2 years ago, im matured alot since then and done an advanced driving corse since, and ive only got 0-NCD coz i couldn't afford my own insurance, so had to go on my mum's for the last 2 years as a named driver ! ive got nearly 2 years, claim free driving as a named driver.
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ok fair one, spose it aint too bad :smiley:
but i did get my points nearly 2 years ago, im matured alot since then and done an advanced driving corse since, and ive only got 0-NCD coz i couldn't afford my own insurance, so had to go on my mum's for the last 2 years as a named driver ! ive got nearly 2 years, claim free driving as a named driver.
Yeah, everyones case is different, but in the end, the computer infront of the person on the phone dont give 2 $h1ts LOL! They are reasons to charge you more, as they want to get all your money! :D
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Just to show you roughly the difference between a 25yr old and 17yr old's insurance...
I passed my licence 31 Oct 2007 got my first car 10th November, turned 25 on 11th November and insured 11th November (yes I know I was a late starter but never needed a car before I had a baby!)
£796 on a MK 2 Driver
Dec on the other hand is 17 passed his licence on 7th December (or something like that) and pays £1800 for the same year & model car :smiley:
Gotta love being 25 :tongue:
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Gotta love being 25 :tongue:
I can sleep with younger girls without police knockin on the door
But agreed, age is such a joke with insurance. I only crash on weekends!
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I can sleep with younger girls without police knockin on the door
It's not the police i'm worried about, it's my wife :laugh:
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my 2 litre 8v is £1900 and im 19!
im 19 with a 1.8 gti and mine is £998 tpft with no alrm or imobiliser declared! thats with ecar and i get to pay it monthly!
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That pretty good, it is probably the area you live in as well that brings the price down so much for a new driver and a beast of a car.
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20 with 2 yrs ncb
sp30 (3 points)
1.8 GTi
lowered
alloys
Back box
£780
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19
1.8 GL
0NCB
No mods
TPFT = £1400
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ive just had a scout through this thread, found out i can get insured on a 1043cc polo c for £1900 didnt ask if it was tpo, tpft etc? got a quote with 17-40 and got £2200 (and £3650 on a mk3 driver 1.8 :laugh:)
gonna try LV for a 1.3 golf mk2, and add my nan and grandad onto the policy :smiley: might get close to £1500 id be happy with that
insurance is anal rape :sad:
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i think more than let you go on some family members policy and you still accrue NCB.
I think in fairness insurance is going to be high for the first few years of driving. It gets better promise.
Best start off with a little car. Little engine etc. Small engined cars can be cool too.
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at 17 with a modified car you are asking for trouble to be honest, its annoying even for me now at 21! I would just be prepared to pay a lot for your first year until you get a years no claims under your belt.
Agree with Neatly my son and daughter have just started out and we
new insurance would be high, so until they get there 2 yeras no claims under there belt
they got a cheap plain ford car each 1.1L to knock around in with money in there pocket to go on
holiday with their mates as insurance is only £900
when they get to 21 with 3yrs no claims then we get them a newer car.
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ive just had a scout through this thread, found out i can get insured on a 1043cc polo c for £1900 didnt ask if it was tpo, tpft etc? got a quote with 17-40 and got £2200 (and £3650 on a mk3 driver 1.8 :laugh:)
gonna try LV for a 1.3 golf mk2, and add my nan and grandad onto the policy :smiley: might get close to £1500 id be happy with that
insurance is anal rape :sad:
£1500 on a 1.3 sh!t.
I'm 18 first car is a 1.3 mk2 I'm paying around £830, 3rd party. Why would you bother with fully comp. on such a cheap car, not really worth it. the extra you will pay for fully comp. would be about the same as the cars worth. Now you could either DEFINITELY pay that extra. Or just pay it if you crash, I know which one I'd rather.
I'm with FootmanJames and have a classic insurance policy. which makes all the difference.
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Has anyone tried adding their mums (sorry to sound abit poncey) as a named driver?
Have to say in most cases it gives a significant saving, and it's surely not fronting if you're the policy holder and you're insuring them for an eventuality of them driving your car!?
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Has anyone tried adding their mums (sorry to sound abit poncey) as a named driver?
Tried it once then they found out she was killed in a car crash a year earlier :undecided:
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Thats dark man.. i dunno if ur jkin or nt, but thats dark.
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£1500 on a 1.3 sh!t.
I'm 18 first car is a 1.3 mk2 I'm paying around £830, 3rd party. Why would you bother with fully comp. on such a cheap car, not really worth it. the extra you will pay for fully comp. would be about the same as the cars worth. Now you could either DEFINITELY pay that extra. Or just pay it if you crash, I know which one I'd rather.
I'm with FootmanJames and have a classic insurance policy. which makes all the difference.
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i got my first car at 21 which was a 1.3 mk2 golf and was paying £700 TPFT and insured to drive any car with owners permissions on TP basis