classic 'im 17 help me' thread... and a rant...

[samjac68]

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

[cняis]

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
   

[ben1.8T]

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. 

[glowgtdi]

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 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.

[cняis]

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!

[Ben_1uk]

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.

[MooZ]

I'm driving a 1.3 mk2 now with classic insurance and am 18. paying £830 3rd party... with footmanjames.

[danny_p]

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   
   

[T_J_G]

I paid the same as a 1.1 106 when I bought my first Golf mk2 1.8 Driver!

[opel]

direct line goodhigh excess but  they are gud for me