GolfGTIforum.co.uk
General => Insurance => Topic started by: samjac68 on 08 August 2008, 12:23
-
aloha people :smiley:
i have my second driving test booked and im going to be going to college 20 miles away in a diff county so riding a motorbike wont be too practical in winter :sad:
i know im statistically going to run several people over and crash into some expensive cars but i need to get insurance under 1k :huh:
i ideally want a mk2 1.3 (ive been obsessed with having a mk2 for ages now...) but will possibly get a 1.0 breadvan polo.
ive used tesco compare with my nan as the main driver me as named and every company refused insurance on a 1.3 mk2 :grin:
go compare.com came up with one with virgin money on a 1.0 polo for £1800 and the rest 3.5 k
had someone ring me up 5 mins later from aa insurance, she sounded like she'd struck gold, i told her id been quoted £1800 with virgin, and she offered me a £300 discount and fully comp to bring that quote to £2930, i asked how much the excess was and she told me £700... i said on a car i valued at £400 'well... yes but you do get excess free windscre...' 'so you think im going to pay double on my insurance purely so ill owe you money if i crashed aswell as losing my no claims... your a clever one int ya, bet you did well in ya GCSE's' (and hung up)
rang up adrian flux, gave them my details for them to put me through to a different dept, and repeated myself to another dept to be put through to a specialist young person insurance provider who couldnt quote me but put me through to another specialist who quoted me £7050 on a 1.3 mk2, but it would go down to £6995 if i did pass plus (which costs over £100?) i laughed very much and hung up on them...
i tried footman james after someone on here claimed they got a quote on a mk2 golf 1.3 at 18 £890 tpft with classic car insurance, rang them, they said no due to the insurance group you need to be over 21
i got quoted £1750 with liverpool victoria, have rang loads of companies and generally get £3-5k quotes, admiral quoted me £3200 or something along those lines
ok im 17, think my postcode is d rated, i have no criminal convictions, i have never taken the virginity of the daughter of a boss who owns an insurance company so can someone give me any distant never heard of companies who could possibly quote me happy, ideally looking for classic car insurance but they all say 21+ or go home?
martin can you go upto one of your superiors and kick them in the face and tell them that you will insure 17+ drivers? :smiley:
cheers all
sam :smiley:
-
Dont put your nan as the main driver as (no offence) she is likely to be classed as old and dangerous. My Grans insurance has recently started going back up again just because shes getting older :huh:
I Dont really see how your getting quoted so much on a 1.3 though. I paid £1856 fully comp for my 1.6 which is surely a higher insurance group.
Not to be a moany git but my dad rides his bike 20miles to work everyday even when its snowing :tongue:
-
they're also very aware that you're blagging the policy by just being a 'named driver', so first step is to just get your own policy.. try confused.com and let us know the results
-
they're also very aware that you're blagging the policy by just being a 'named driver', so first step is to just get your own policy.. try confused.com and let us know the results
Also try moneysupermarket.com as i found them to be cheaper than confused somehow!
I agree with Topher though. Get your own policy as it will help in the long run aswell :smiley:
-
me nans only 63, i just wanted to see if it would bring it down if i had the car in her name and me as a named driver (my grandads the main driver of the car were both insured on) so insurers cant really argue about the whole fronting thing
what company are you with? im gonna try a few others in a bit
i like the way you say you dont wanna moan but ya dad rides a bike in snow to work, why dont you sell ya car and ride a bike in the winter? :grin:
sam :smiley:
-
just signed in on confused.com, put in a quote on a 1.3 golf and it came back as £1034 :laugh:
and then i realised that id registered on there around 2 years ago when i was 15, so my dob would have been exaddarated so now come up on there as 19 :sad: :grin:
cheapest with it set as 17 is £1801... with virgin money :sad: thats better than the £1800 on a polo 1.0 with virgin money through gocompare.com :smiley:
and i know your all saying get a policy in my own name but on the wage im on at the minute i just cant afford it and might be forced to be a named driver if i want a car some time this year :sad:
-
Just as an experiment run a quote through admiral (confused etc can't get quotes from them) with your own policy, and your nan as the named driver.
-
through admiral - 2867.00
nan as main driver, me and grandad as named with direct line so i get no claims - £684 :undecided:
cheers for ya help, if anyones got ne other sites where i could get it in my own name for under 1k i would definately do it
sam :smiley:
-
you need ot be honest with insurance, no point in lying it'll invalidate it.
the sooner you have your own policy the sooner you have no claims and the sooner its cheaper to drive. Make sure you can opt out of everything you can on the policies that you won't need or are not bothered about in a first car.
I'd recommend not modifying for the first year or two (i didnt... stuck with OEM mods and didnt lower it!) you'll find that you do have to pay over the odds for a car.. and silly as it seems you might not pay much more for a 1.6 driver which you can easily make look like a concourse GTI rep if you like. worth considering all of the options.. it gets easier as you get older honest!! But the excess is always going to be high!!!
good luck with your hunt!
-
You tried Bell?
Nick
-
You tried bell?
Nick
Bit rude :grin:
-
try keith micheals and be honest 02082880275 hth
-
bell - Car premium: £5269.40
Your total price: £5269.40 :grin: :grin: :grin:
ill give keith michales a ring in a bit, and i will be honest with them, i want insurance in my own name within 1k, direct line said £1700 but £650 with me as a named driver, and i get my own no claims.
from what ive been told insurers only get sketchy if the main driver on the policy has another car or the car that youve been added on as a named driver is in your name, my grandad owns the main car and me and my nan are named drivers, so if i get a golf in my nans name it will be in the insurers eyes, her only car.
i wanna do it legitimately but i cant afford to, tried money supermarket and theyve said £1595 so thats best ive got so far :undecided: with endsleigh
-
I remember the days of insurance costs being high when I was 17 but for £5K could have run around in a some nice tin. I could have insured a VR6 for that sort of money when I was 17!
Nick
-
just rang keith michaels, 19+ :sad: yet they advertise special discounts for young drivers on their website?!?!?! f**king mongs :smiley:
any other companies? :grin:
-
I cant believe the prices your getting quoted they are ridiculous lol tell them all to ram it imo. I remeber when i got my first car about 6 year ago an Escort 1.8gti thing cost me £1100 fully comp on my own. I dont know how insurance companys get away with it, and the police wonder why so many young guys are running around with no insurance
-
try endsliegh. Were cheapest for me at 18. Try elephant to. I think the comparison sites are useless tbh
-
I dont understand, you must be doing something wrong to get these quotes man, they are unbelievable!!
I was with adrain Flux on a 1.4 Renault 5 (nobody say anything) and its was 1200 quid fully comp on my own policy.
Unless somethings changed in the last 3 years, Im now 20, im so confused as to how your getting quotes like this.
-
Anybody Suggested Lancaster?
-
endsleigh have given me the cheapest quote with moneysupermarket.com which is £1695, cant remember if its tpo or tpft or what.
ill google lancaster and see if theyre any good
sam :smiley:
-
lancaster insurance-
£ 7417.49 please view quote GROUPAMA Optima 10 Click Here to Go To Quote
£ 7907.08 120 B-D Z1 - 7.5 Click Here to Go To Quote
£ 7954.85 please view quote GROUPAMA Optima 12.5 Click Here to Go To Quote
£ 8125.72 120 B-D Z1 - 10
:grin: :grin: :grin:
why do they even bother, why not just say 19+? would save me wasting my time :undecided:
any others? :laugh:
-
I don't know if this has already been said, but if you're naming your nan as the main driver, but it's your car and you're primarily driving it, it's know as fronting and can lead to instant suspension of your policy.
I'd defo try and get your own policy for the no claims etc..
-
it has been said yeah, i dont particularly want to but im looking at saving a grand and i still get my no claims bonus with direct line, and my nan doesnt insure any other cars and the car will be in her name so they cant say that im the main driver. :huh:
-
As a 17 year old male you will never get below 1k on basically any car.
-
why not try buying a scooter or a pushbike :grin: :grin: :grin: sorry mate i understand your pain, we have all been there!
-
first bet for me would be to stop going through confused, moneysupermarket etc etc, and go straight to the insurers. cuts out the middleman and his commision :wink:
failing that, the fine for no insurance is almost certainly less than what your getting quoted :lipsrsealed:
-
I'd just face it that you can't afford to insure a mk2, put up with a lesser car for 2 years then get a nicer mk2. We all want what we can't have! ;)
Personally for me, I started with a 1.4 Seat Ibiza 1995. £1250 TPTF with my Dad on the insurance at 17. Then I bought my 1.8 Driver mk2, £720 to insure that year. Then this year I've got the Driver still but with alloys and lowered declared. £615 comp :)
You've got years ahead of you to own your dream car! ;)
-
antogoof - you say get a scooter, i ride a 125 motorbike so getting around is not a problem, and it only cos5ts me £300 a year to insure (awaits some old coffin dodger to say yeah i insure a vr6 mk2 for less than that :rolleyes: :grin:)
chris - ive tried direct quotes they actually come in at more for some really wierd reason? also as good as that sounds when i do eventually kill someone by running them over (every 17 year old does and thats why costs are so high ya?...) ill get raped by big dave every night for 5 years in young offenders, so ill go with the insurance route lol
jamie - i cant not get a mk2 as my first car, i tried talking myself into a different car but it didnt work, i got a quote on a 1.0 citroen ax and that came back as 2.5 k and its a sh!troen (saw one for £250 with full T+T but if i did buy it i would probably slit my wrists)
I also got a quote on a mk3 tdi 1.9 which are the same group as a mk2 1.3, but theyre ghey :huh: oh and a 1.0 polo but theyre not much less either.
I must have a mk2 as my first car... its my destiny :undecided: :sad:
-
What insurance group is a 1.3? Mines a 1.6 which is group 9 i think and that cost me £1856 Fully comp to insure with http://www.lv.com/ Might be worth a look mate :smiley:
-
Try brentacre insurance swansea.speak to ceri or john.Usually quite competitive.
-
i got quoted £2300 with lv but a month or so ago i got 1700 on a 1.0 polo, ill give brentacre a shot in a min :smiley:
-
i know how painful this can be, i remember being well annoyed at payng £1300 tpft for a 1.1 mk1 fiesta at 17.
i just ran a quote through elephant.co.uk as if i was you - 17 yrs old on a provisional license with a mk2 golf 'c' 1.3 3 door. car kept on driveway and value of £1000. social (pleasure) driving only with max 5000 miles per year.
just me on policy - £2834.45 fully comp, £2190.80 tpft
me and a 64 yr old granny as SECOND driver* - £2199.20 fully comp, £1716.20 tpft
*this is perfectly legal to do and you are therefore not fronting.
these prices seem to go up by around £300 when you pass and get a full license
hth
-
Hi ya mate I know exactly where your coming from been there done that and got the t-shirt. All insurance companies are going to cane you at that age because they see you as inexperienced the only way to do it im afraid is with a small engined low insurance car try not to have any knocks or get any points and just buld your name claims up. I have now got 4 years ncb and im 27 and only now can I get decent quotes in high performance cars. Stick it out mate you will get there eventually. :angry:
-
Lol Sam,
You know me, its Gav,
DO NOT go with Liverpool Victoria,
Guaranteed me unlimited changes with no admin charges, after 3 in 4 months they slaped on £35 Admin charges for every change,
Then when i got sick of it and paid the policy in full they quoted me £740 for my Black Escort Si and so i bought it when it come to the crunch they wouldnt honnour the new quote i got and billed me £320 MORE from my modified mondeo with declared remote engine starter!!
Then when i cancelled the £2100 Policy after 4 months of it i got £720 Back! somehow i think i got royally screwed over by them! and there stupid on-hold song annoys the crap out of me! and the stupid advert! lol
Best method is to NOT go VW, the insurance is naturally high on them, my 1st quote for my 1.9 Turbo Diesel unmodified was £2100 yet on my 405 with Mi16 Mod's Declared it was only £1100.
got this one at £1100 now with 2 years claim/point free license and im 21.
Best method is to insure a silly 850cc Mini or something and not drive for a year :P lol i wish i could do it that way, another method is get a policy with limited like 1000miles/pa milage on a mini or something and then insure a golf in grans name, drive it 3rd party, its still not strictly legal tho, and tbh the chances of getting a policy that allows you to drive any vehicle at age 17 is slim. again LV says they allow it but they DO NOT! i got stoped for it driving my moms old cav, and it was only down to a descrepency in there paperwork i got away with it lol.
-
get a rover bubble shape 214 16v, quick @ 105bhp and cheap to insure and buy.
plus not likely to have been caned either...
get the 16v tho as the 8v is sluggish!
-
We've all been here mate. You're just going to have to face facts I'm afraid and settle for a lesser car. It ain't right, but insurance companies will penalise you until you're a bit older.
-
I'm driving a 1.3 mk2 now with classic insurance and am 18. paying £830 3rd party... with footmanjames.
-
it's all about risk profiles, 17+ golf = bad end off, vw's arn't exactly insurance friendly ether, i would suggest buy the slowest car possible with the least sporting image ever, ( diesel micra woudl be ideal if they ever made one ) and sulk for 2 years. and what ever you do don't even think about modifying it. crashing it is also a very bad idea. but it dose get better eventually. example of vw expensive ness to insure
me now nrly 25 with 3 yrs NCB my daily driver 2.5 v6 vectra SRI tweeked to 230 bhp, unlimited miles £200 excess is going to cost £400 to insure
my mk2 syncro with ABF transplant and missing interior is 150 bhp, limuted to 3000 miles £400 excess and going to cost £845 to insure at least it's a lot better now than it was
-
I paid the same as a 1.1 106 when I bought my first Golf mk2 1.8 Driver!
-
direct line goodhigh excess but they are gud for me
-
Definately don't go down the fronting route as if it goes to court you'll end up with points and a fine, which'll probably mean as they usually give out 6 points for an IN10 (driving without the appropriate insurance cover). And if you check the small print, if you get 6 points in your first 2 years of driving, you'll have to retake your test. Then you'll have to declare your previous misdemeanours to the b'stard insurance companies (I know what they're like coz i work for one and they're making 1800 of us redundant next year) which will push your premium even higher.
Try a 1 litre Polo if you must have a dub as they're a pretty low group.
-
Sure I've posted this before mk2 Golf Before 1988 (20 years old) becomes classic and therefore valid for classic insurance - Non GTi's anyway, 1.3 1.6 1.8 carbs etc.
I'm insured on a mk2 1.3 golf 1988, for £830 3rd party, first car, OWN policy, 18yr/old at the time of taking out the policy...
I am with Footmanjames, I know online it says you have to be over 21 but thats just for an online quote, phone them and ask.
DON'T PAY £1,500 ON A FKKKING POLO!
-
i have argued with footmanjames and theyre basically calling you a liar, they refuse to insure me on a 1.3 golf due to the insurance group
ive give up on a golf for now and decided to buy a little chinquecento (awaits being banned LOL) got offered one for £75 with 5 tax 11 mot because the alternator belts snapped :grin: (they think its the cam belt)
passed me test yesterday so still looking for cheap insurance, on the chink-wagon its £1600 in my own name :sad:
-
hunt around mate. limit the miles you do, get a cheap car with a crappy engine mate. If you want insurance under £1k at the age of 17 thats what you gotta do.
-
how can i get more cheaper and crappier than a £75 chinquecento 0.9??? :grin:
thats £1600 with endsleigh or £900 with rac if i front it with my grandad :undecided:
complete... and utter... pisstake :cry:
oh yeah and since i passed my test morethan have refused to insure me on a full license... my nan and grandads insurance was £270 before and it doubled to £600 with me on provisional. i got into a bit of a heated argument because im taking the stance that they should refund the £300 if theyre not going to insure me on the car on a full license but 'unfortunately it doesnt work like that' theiving thingys! :rolleyes:
sam :cry:
-
i think unfortunatly whatever you get your gonna be bent over :sad: my brother was paying nearly £1700 quid for a 1.1 pug 106 when he was 17 :angry:
-
erm, i would love to know how many searches people do etc.
my daughter has a 1.4 16v corsa,
insured in her name
under a grand with her as a Learner driver,
just over when she passes.
no fronted policy , parked on the road, etc etc .
BUT it oes come well discounted to the tune of about £350 as some knackered old goat is on her policy, namely me.
will be reduced further when her boyfriend turns 21 and gos on her policy too :shocked:
Its now cheaper to run your own insurance with a named older driver, than to front yourself on another policy :huh:
-
My first car was a Corsa 1.2 16v :embarassed:
I got my own policy with no other named drivers and parked on a drive
For £500 TPFT, shop around you'll get a good deal eventually
-
Try brentacre insurance swansea.speak to ceri or john.Usually quite competitive.
Ha, funny man! :lipsrsealed:
-
erm, i would love to know how many searches people do etc.
my daughter has a 1.4 16v corsa,
insured in her name
under a grand with her as a Learner driver,
just over when she passes.
no fronted policy , parked on the road, etc etc .
BUT it oes come well discounted to the tune of about £350 as some knackered old goat is on her policy, namely me.
will be reduced further when her boyfriend turns 21 and gos on her policy too :shocked:
Its now cheaper to run your own insurance with a named older driver, than to front yourself on another policy :huh:
Girls always get cheaper insurance my missus had a quote for her mums Merc SLK its a 2005 1.8 supercharged shes 21 with 3 years no claims and she got quoted £1250 Comp.
You could do the advanced driver courses they are suppose to knock a big chunk of your premiums. :cool:
-
ay up!!
i got a quote online with direct line
i know the feelin as im also 17 an waitin for me first test
im have a mk2 jetta in my drive 1.3
the cheepest quote is about 1751
i got that last night on direct line but that is without suspention an mods
i just say
its worth it!!
-
Ive always thought Direct line were expensive but they did do a good job sorting that woman out that side swipped me and then lied and said she had a witness. :angry:
-
Mate I'm haven't looked through all the posts so don't know if this has been mentioned but try moneysupermarket (dunno if we can use links but type it into google). I've had a mk3 1.8 since I passed my test (3rd time) at 17. Named driver with direct line on my dads ins. (3pft) 1st year was £1300, this year £8/900 (can't remember) but the quote on moneysupermarket was cheaper in my name (for renewal) than being a named driver on my dads with direct line (prices went up on there (by about £200) as a named driver again on my dads rather than me being main driver with dad as named). Give it a try - you'll be surprised (they quoted me £1800 for 3rd party fire + theft on an '03 bmw m3 with me as main, dad as named and 2 yrs no claims (mine) and only one speeding fine on my dads). It's actually ridiculous (sp.?) but you'll be surprised. Try all the ins. comparison sites because it'll save you hundreds (or thousands??) as a young driver - especially on a 1.3.
Good luck with the quotes - hope this helps.
-
good news
if you have one years no claims
brentacre has quoted me 1400 on a gti! mk1
at 18
any mods e.g. wheels, suspention ect