insurance restrictions???

Dreadi · 19 Oct 2006 at 17:06

Just wondering....is there a set restriction on what young drivers can get insured on or it is the companies choice? Just wondering if its worth trying to get a quote on something bigger then my 1.6vtec (19, 0NCB)
Obviously it will be more expensive if it can be done tho....

Bailey_sufc · 19 Oct 2006 at 17:15

thers no set restriction but some comapnys have a limit depends on the companys but some just make the price to expensive

Dreadi · 19 Oct 2006 at 17:24

cool, may give it go then!

Jez · 19 Oct 2006 at 17:47

The trick is to pick the car carefully. You will find that cars which are perceived as "boring" are very cheap to insure even if you pick the fast model with the massive engine.

Take something like the mercedes S600 for example. It is very cheap to insure thanks to an old man image, yet packs a 6.0 V12 under the bonnet. You will find the same with all marques.

Dreadi · 19 Oct 2006 at 19:33

hmm well my civic is 'old man' style according to parkers and i'm looking to go up an engine or 2 with another civic, but they are so high up in the groups....

edit - the vti is a group 16! doubt it'll happen

Jez · 19 Oct 2006 at 19:35

Groups dont really mean a lot, its all about the stats for the cars as far as i can see from getting quotes on probably hundreds of different vehicles.

Civic's are not good cars for insurance. You'd insure much better for the budget.

Dreadi · 19 Oct 2006 at 19:37

yeah i know i could probably do better as they are horrible for insurance but i reallllllly like them :rolleyes:

agw_01 · 19 Oct 2006 at 19:37

Jez said:
Groups dont really mean a lot, its all about the stats for the cars as far as i can see from getting quotes on probably hundreds of different vehicles.

Jez said:
The trick is to pick the car carefully. You will find that cars which are perceived as "boring" are very cheap to insure even if you pick the fast model with the massive engine.

As I found out recently. I really am quite shocked at how cheap fast cars can be compared to the lesser models.

Saytan · 19 Oct 2006 at 19:39

for me, there's only £100 between a 1.6 mondeo and an ST24

23, 0NCB, 1xFault

agw_01 · 19 Oct 2006 at 19:40

That's something else that suprised me actually.

I did a quote with no accidents, one as a non-fault and one as having a fault accident.

I think there was £100 between them all. Crazy really!

Jez · 19 Oct 2006 at 19:41

agw_01 said:
As I found out recently. I really am quite shocked at how cheap fast cars can be compared to the lesser models.

Great isnt it

Dreadi · 19 Oct 2006 at 19:42

yeah but your 23 and going by most of the guys i work with theres a lot of fast cars that most people wont give you until 21 and then 25 or similar to that and me being 19 could cause a problem!

Jez · 19 Oct 2006 at 19:44

You'd be suprised, i insured a ~250bhp Toyota MR2 Turbo at 18 going on 19 without too much bother. I beleive a couple of other people on here had them too before they were 20.

As i said, pick carefully, insurance doesnt go on performance

agw_01 · 19 Oct 2006 at 19:44

Jez said:
Great isnt it

Scary more like! I'm getting old

Dreadi · 19 Oct 2006 at 19:50

Jez said:
You'd be suprised, i insured a ~250bhp Toyota MR2 Turbo at 18 going on 19 without too much bother.

can i ask how much that was costing you? i'm already paying 160 a month for my civic esi and dont mind if it goes a shade but nothing stupid like 250 a month i'd hope.

Jez · 19 Oct 2006 at 19:53

Paying insurance monthly is not a good idea as detailed in another thread. I paid it upfront and it was £1250 for 10 months, so monthly £125.

You really cannot compare directly like this as there are so many factors which affect insurance premiums.

saitrix · 19 Oct 2006 at 19:54

Dreadi said:
can i ask how much that was costing you? i'm already paying 160 a month for my civic esi and dont mind if it goes a shade but nothing stupid like 250 a month i'd hope.

That seems a lot. Mines £62 a month! Yes my car is slower but it was only like £75 for the 2.0 Focus.

233 · 19 Oct 2006 at 19:55

back in the days when i were a lad,

I insured a fiesta RS Turbo day after i passed my test uprated cam and turbo declared along with alloys and suspension

i was gutted to be paying a stupidly high 600 a year fully comp.

damn didnt realise how well off i was

now me and Mrs Sormicoft have a chipped audi A4 Tdi estate insured for 250 fully comp

Dreadi · 19 Oct 2006 at 20:09

saitrix said:
That seems a lot. Mines £62 a month! Yes my car is slower but it was only like £75 for the 2.0 Focus.

age and years driving ?

as i said, i realllllly like civics......cant really think of much else i'd like that again to me wouldn't cost me a large chuck of change to insure

Rich1988 · 19 Oct 2006 at 20:33

saitrix said:
That seems a lot. Mines £62 a month! Yes my car is slower but it was only like £75 for the 2.0 Focus.

I only got my licence like 3 months ago and even im only paying 88 pound a month.