Who here owns a Subaru?

Garfo · 11 Dec 2013 at 23:50

a plan are good m8 been with them 2nd year now

Frozennova · 12 Dec 2013 at 09:40

I had a good chat with them, shame they've got a large barge Pole for people that haven't owned a scoob or owned a 250+bhp rwd car for 12 months.

Given I paid peanuts for insurance as a young driver compared to most paying 1800 won't be so painful. I should have another years ncb by the time I've saved enough to buy one so it should come down a little more.

ironman · 12 Dec 2013 at 12:01

I only have ever insured my STi with Admiral, was paying £2.5k for my first one when I was 22/23 and now I'm 26 and have 3 years NCB and am paying £800 a year.

Frozennova · 12 Dec 2013 at 12:07

I haven't looked at a quote for an STi as I'm still loathed to pay over £2k for insurance. £1800 will still be £500 more than I paid for my first years driving.

A WRX is still going to be leagues ahead in terms of performance than anything I have ever owned

Clarkey · 12 Dec 2013 at 12:23

ScoobyDoo69 said:
Admiral has always been my best.

I'm shocked, they are hopeless with modified cars. :confused:

ironman · 12 Dec 2013 at 12:54

Frozennova said:
I haven't looked at a quote for an STi as I'm still loathed to pay over £2k for insurance. £1800 will still be £500 more than I paid for my first years driving.

A WRX is still going to be leagues ahead in terms of performance than anything I have ever owned

Don't worry about the money, just focus on the enjoyment.

DeanT77 · 12 Dec 2013 at 12:56

ScoobyDoo69 said:
Admiral has always been my best.

I left them because they dont insure mods on a like for like basis, any mods are replaced with standard parts.

Frozennova · 12 Dec 2013 at 13:08

gurdas said:
Don't worry about the money, just focus on the enjoyment.

A wrx will be plenty of enjoyment for a while.

When I have the urge for more power I'll either map it or stick a vf35 and sti brakes and map it.

ironman · 12 Dec 2013 at 13:21

Frozennova said:
A wrx will be plenty of enjoyment for a while.

When I have the urge for more power I'll either map it or stick a vf35 and sti brakes and map it.

Which will all cost more than the increase in insurance premium....

Frozennova · 12 Dec 2013 at 13:35

gurdas said:
Which will all cost more than the increase in insurance premium....

There's a lot of things I still need to look into so something I need to weigh up. I'll be keeping it standard for the first year as modding is going to put the insurance through the roof. I'll see what happens after owning one for a year and go from there.

ScoobyDoo69 · 12 Dec 2013 at 14:59

Clarkey said:
I'm shocked, they are hopeless with modified cars.

They're really not that bad. I haven't exactly done much to mine either so if the car gets scrapped I'd literally only have to replace the suspension and exhaust and I'd be back near enough to where I am.

All the specialists laughed (literally) at me being 25 with an STi in Birmingham. Despite the 5+ years ownership.

Meridian · 12 Dec 2013 at 18:01

Frozennova said:
I had a good chat with them, shame they've got a large barge Pole for people that haven't owned a scoob or owned a 250+bhp rwd car for 12 months.

Keith Michaels have pretty much the same policy, and I'm all in favour: it keeps the premiums down for those of us who have driven 250+bhp cars for a year or more. It's a just a more granulated version of lower premiums for older drivers.

Frozennova · 12 Dec 2013 at 19:38

I'm not knocking then for doing it by any means, if that's the stipulation for being able to offer the prices they can then I'm more than happy to pay a slightly inflated price with Admiral for a year to recieve the benefit of being able to insure through a specialist.

In fact it gives people like myself the chance to prove that just because we're young driving something powerful we in actual fact aren't going to drive like a nob.

sovietspybob · 12 Dec 2013 at 20:01

I got my scoob when i was 24 and was only able to insure via a specalist as we'd had 2 MX5's and i'd owned a 220bhp honda integra before so was classed as 'experienced with power & RWD' or something along those lines.

luffehamp · 15 Dec 2013 at 13:34

Keith Michaels insured me when I was 22 and got my hawkeye WRX for £1300 with 2 NCB. Then the year later they introduced a "25 or over" policy unless you were an existing customer so I was lucky. How do you prove you can drive a powerful car when you're not even given a chance to insure one? I got the original quote cause I had an RX8 before that

3 years later and I'm with greenlight now. £680 and like-for-like mods.

Rybo89 · 15 Dec 2013 at 18:03

STI Type-R £870
STI £990
Evo 456 GSR £870

All through Admiral multicar quotes. Greenlight will be able to quote me from Jan 26th next year (turn 25) so hopefully they can beat the above. Guy on the phone seemed to think ill get a good quote due to my past and present cars.

Not really swaying to any side yet, think it will be more of the case if i can find one that i really like, ill buy it.

Mrs Approves anyway on either.

Frozennova · 15 Dec 2013 at 18:32

Greenlight won't touch you on an EVO till you are 28.

Quote redone with an extra years Ncb as I should have another buy the time money is ready to buy one.

£1600 for a blob sti.

Rybo89 · 15 Dec 2013 at 18:58

You sure? They told me to ring back when i turn 25 as they will be able to quote me on either.

Frozennova · 15 Dec 2013 at 19:05

Pretty sure they told me 28, might have been Chris Knott though.

Out of the specialists I tried A Plan we're the only one that we're actually helpful even if I don't fit the criteria for then to be able to insure me.

Vita · 23 Dec 2013 at 18:53

Just read online about 3 men dying in a crash in a scoob. They were racing an astra apparently. Dirty bit of road is that on A406, used to be on my commute and you can easily clock treble figures on there. Sad times.