What's the best first car Golf insurance-wise?

[JoshGTI]

I looked up the insurance groups for the different Golfs yesterday, and I saw that the newer the car, the lower the group, but I wonder if the fact they're newer cars will offset the advantage of that anyway?

I'm only looking at the smallest engines BTW, which is probably better for someone who's only just learnt to drive anyway.

Any tips here?

[MrBounce]

A lower group doesn't necessarily mean cheaper - it all depends on age, condition, value, postcode etc. I changed from a group 14 car to a group 8 and it went up.

My advice? Have a ring round a few companies with a few prospective cars and see what they offer. Be prepared to be shocked. 

[JoshGTI]

Yeah thought so.

I've checked stuff on price comparion sites (and still get the spam from them now), and I think it must have gone wrong because I just saw a load of phone numbers on the screen 

My mum was talking about insuring the car herself and putting me down as a second driver. I don't think that'd work at 17 because I'll need special provisional insurance won't I?

[Dahmich]

Yeah thought so.

I've checked stuff on price comparion sites (and still get the spam from them now), and I think it must have gone wrong because I just saw a load of phone numbers on the screen 

My mum was talking about insuring the car herself and putting me down as a second driver. I don't think that'd work at 17 because I'll need special provisional insurance won't I?

dont churchill do a deal that the second person get ncb if theyre a naimed driver??

[JoshGTI]

Yeah thought so.

I've checked stuff on price comparion sites (and still get the spam from them now), and I think it must have gone wrong because I just saw a load of phone numbers on the screen 

My mum was talking about insuring the car herself and putting me down as a second driver. I don't think that'd work at 17 because I'll need special provisional insurance won't I?

dont churchill do a deal that the second person get ncb if theyre a naimed driver??

Yeah seen that advertised actually, I'll look into it.

[topher]

My advice would be to insure it in your own name right from go - you WILL be thankful for the ncb. You'll find the named driver ncb points only work with that particular insurer so you can't shop around in future.
A very small engined mk3, as late as possible so it has factory alarm/immobiliser, park it in a garage, put your parents, aunties and uncles as named drivers (with a lot of insurers the more experienced drivers you add the cheaper it gets). Keep the car completely standard, look after it so you get your money back when you sell it in 2 years to buy a mk2 GTI

[JoshGTI]

My advice would be to insure it in your own name right from go - you WILL be thankful for the ncb. You'll find the named driver ncb points only work with that particular insurer so you can't shop around in future.
A very small engined mk3, as late as possible so it has factory alarm/immobiliser, park it in a garage, put your parents, aunties and uncles as named drivers (with a lot of insurers the more experienced drivers you add the cheaper it gets). Keep the car completely standard, look after it so you get your money back when you sell it in 2 years to buy a mk2 GTI

Depends if I can get a grand together to afford that. I know it's more wise to assure it in my name, but the money's the issue.

Would an mk3 be cheaper to insure than an mk2 then? I'd have thought it would be more pricey as it's newer.

[topher]

Give both a try, but since you're too young to get it on a classic policy most insurers will like the safer, more modern car . Also it's a lot easier for pikeys to nick a mk2.

[JoshGTI]

Makes sense I guess. Thanks for the info/advice 

[Wayne]

Yeah thought so.

I've checked stuff on price comparion sites (and still get the spam from them now), and I think it must have gone wrong because I just saw a load of phone numbers on the screen 

My mum was talking about insuring the car herself and putting me down as a second driver. I don't think that'd work at 17 because I'll need special provisional insurance won't I?

That is classed as fronting and is a bad move.