The pain of insurance (WRX)

The Running Man · 27 Mar 2011 at 12:27

So ive seen a 56 reg Subaru Impreza WRX for £8000 that looks pretty sweet. But insurance is coming up at £2600 via way of admiral for 5yNCB 0 points, zero convictions for a 28 year old.

And thats parked on the street. As soon as i change to In Garage, it jumps up to £3300!!

What? How does that work. i dont have a garage but still common sense tells me that it should be cheaper for garaged than on the street?

Anyway, any other insurers i should be looking at for some Scooby action, i cant really afford £2000+ a year for insurance alone:/

IvanDobskey · 27 Mar 2011 at 12:35

I think garage is more expensive due to increased likelyhood of scrapes and dents from driving in and out of it on a regular basis. Driveway parking would be cheapest i'd expect.

Antipasti · 27 Mar 2011 at 12:35

Elephant quoted me £1300 for a classic, with the gf as a named driver. She has no NCB I'm 29 with 3 NCB.

Vita · 27 Mar 2011 at 12:52

Post Code, your job, car, age, licence held all play major factors. Insurance is turning into a joke now, just how it works I'm afraid.

Mr-White · 27 Mar 2011 at 13:09

Chuck your mum on the policy, it'll bring the price down.

MW

Scania · 27 Mar 2011 at 13:15

IvanDobskey said:
I think garage is more expensive due to increased likelyhood of scrapes and dents from driving in and out of it on a regular basis. Driveway parking would be cheapest i'd expect.

Really?

I'd have thought a car being garaged would be cheaper due to it being hidden away & thus (hopefully!) less likely to be stolen?

Your premium makes me wince OP!

task · 27 Mar 2011 at 13:21

last car I put down as garaged the quote didn't change at all :/

Mind you, at £270 there wasn't much to drop by anyway!

Puppetmaster · 27 Mar 2011 at 13:23

Something has to be wrong there. Last august i got quoted £1300 to insure a Hawkeye STI @ 22 years old, 5 years ncd with Admiral.

Saytan · 27 Mar 2011 at 13:34

street is the cheapest with admiral group.

dont know why but it always comes up that way. the only guess i can make is that logically the car is more visible and therefore less likely to get broken into?

The Running Man · 27 Mar 2011 at 13:38

On my policy i have my mum but on this quick quote i didnt.

Just ran it by confused.com, cheapest was admiral at £2200 and dearest was tesco at £8928.53:/

Thats some awful pricing right there.

LizardKing · 27 Mar 2011 at 13:46

R420LA6X2/4MNA said:
Really?

I'd have thought a car being garaged would be cheaper due to it being hidden away & thus (hopefully!) less likely to be stolen?

Your premium makes me wince OP!

Its easier to nick a car thats hidden away from the public eye

Rybo89 · 27 Mar 2011 at 14:13

Better to just ring.

Also try out Skyinsurance, not open till tomorrow though.

MikeHiow · 27 Mar 2011 at 14:33

Saytan said:
street is the cheapest with admiral group.

I'm pretty sure that driveway is cheapest.

adam cool dude · 27 Mar 2011 at 14:41

Going from 24 to 25 knocked off over a grand on my quote for a hawkeye. Even still thats 1400 a year. Looks like I have got two years to go at least before I can get something really powerful.

Something like a Mazda6 MPS which is 90% of a imprezza is only £600 a year to insure.

Hxc · 27 Mar 2011 at 14:42

Being driven absolutely mad by the fact I can't insure a Eunos for the same price as an MX5 at the moment

SGWills · 27 Mar 2011 at 15:56

street is cheaper, permit parking is similar(classed as residental parking i believe on the quotes.

adding drivers to the quote can help, try different combination of mum,dad, mum and dad until you find the one that works out the cheapest

Paul_M · 27 Mar 2011 at 17:08

Have you tried either Keith Micheals or A-Plan, both come recommened on scoobynet or Impreza insurance. Might be able to get the quote lower.

GravyMonster · 27 Mar 2011 at 17:09

^ What Paul said.

Most specialists are far better for cars like this in higher insurance groups.

Serpantine · 27 Mar 2011 at 17:15

Hxc said:
Being driven absolutely mad by the fact I can't insure a Eunos for the same price as an MX5 at the moment

Same here man, altho i have found that if the insurer recognises the licence plate as an import and gives you all the details it's around the same price as the equiv 1.8 uk, which i found very odd.

This was done on a J-Limited 2 compared with a boggo uk spec 1.8.

Hxc · 27 Mar 2011 at 17:20

Serpantine said:
Same here man, altho i have found that if the insurer recognises the licence plate as an import and gives you all the details it's around the same price as the equiv 1.8 uk, which i found very odd.

This was done on a J-Limited 2 compared with a boggo uk spec 1.8.

Yeah I've noticed some cars are fine, some arn't, I really don't get it. Still, I can't complain to much at £900 to insure a 19 year old with a fault claim on an MX5 fully comp

Shame though, Eunos' are often in better nick.