Insurance

Ross · Post by **Ross** » Tue Jul 06, 2004 5:20 pm

What do you all do about insurance? I've been getting some seriously scary quotes for 1000 and 1300 Polo's and having gone through this hassle before getting the bus looks all the more appealing

LOW PHAT SPREAD · Post by **LOW PHAT SPREAD** » Tue Jul 06, 2004 5:58 pm

I'm wiv Lloyds TSB. Has been Â£32 for the past year (3rd Party fire & theft) and has now gone down to Â£24, now I have 1year no claims.
Thats for a 1l Polo

Karl_CLCoupe · Post by **Karl_CLCoupe** » Tue Jul 06, 2004 6:58 pm

Â£24! WOOT! I have been quoted (cheapest) Â£1200 3rdpfat. I must be getting a raw deal on my 1.3.

Karl.

robz · Post by **robz** » Tue Jul 06, 2004 7:17 pm

well ive jst been looking @ quotes for my GT. Ive been driving for 2 years but no no claims(been on ma dads insurance)

From Admiral i got Â£740 fully comp in my name or bit Â£20 dearer with elephant. While i was on i got a quote for a G40..... Â£1600, dnt seem 2 bad i think.

Karl_CLCoupe · Post by **Karl_CLCoupe** » Tue Jul 06, 2004 7:34 pm

To insure a G40 under you, is cheaper than insuring a 1.3 CL under me lol. Shocking. Ahh well, I'm working on Pass+ see if that helps a little.

Karl.

GroovyCarrot · Post by **GroovyCarrot** » Tue Jul 06, 2004 8:15 pm

Mind if I ask how old all of you are? Helps to sort the relevant quotes from the irrelevant ones

Personally I'm insured with co-op with the car under my dad's name with cover for any driver with a full license. That's costing Â£450 / year, I'm 17, no no claims, no pass plus. That's do-able.. although anything cheaper is obviously going to help things enormously

Oh yeah, that's on a 1.05 mk2 C.

Karl_CLCoupe · Post by **Karl_CLCoupe** » Tue Jul 06, 2004 8:30 pm

I'm a 17 year old, so obviously no experience. Tried to go down the same route as you Carrot, but it worked out more than insuring under my own name, so insure under my own name I must.

Ross · Post by **Ross** » Tue Jul 06, 2004 9:41 pm

Karl_CLCoupe wrote:To insure a G40 under you, is cheaper than insuring a 1.3 CL under me lol. Shocking. Ahh well, I'm working on Pass+ see if that helps a little.

Karl.

If theres one thing I've learnt since I passed my test its that the 'Pass Plus' doesn't count for s**t. I'm 18 and Direct Line quoted me Â£1300 TPFT (which includes the pass plus discount) for a 1.0 Polo
My Imp was only 875cc yet it cost me Â£900 TPFT and that included a 10% club member discount.
Its all so unfair when your young, I think it must be my postcode, but I'd still rather walk than buy a Fiesta.

polog40racer · Post by **polog40racer** » Tue Jul 06, 2004 10:45 pm

Personally I'm insured with co-op with the car under my dad's name with cover for any driver with a full license.

I did this for my first two years of driving, being insured as a named driver under my sister and sharing the car (Polo CL/GT), I just paid her Â£40 for the first year then paid her, her insurance amount for the second year.
Then in my third year of driving, I insured the GT with mods for Â£1100 TPFT through the local broker. Still alot, as the next year I got my new G40 insured for Â£850 TPFT.

And yes, Ive got Pass+, and it means f

k all! My brokers back then reckoned only 4 companies actually accept it.

Karl_CLCoupe · Post by **Karl_CLCoupe** » Tue Jul 06, 2004 10:47 pm

My instructor (still learning to drive) gave me a list of about 15 maybe more companies who accept it. Admittedly they are some of the more obscure choices. Its worth a try anyway.

Karl.

polo_GT · Post by **polo_GT** » Tue Jul 06, 2004 11:09 pm

I am 18 and have a g40 insured for about 900 pounds with 120 excess. Been driving for just over a year with norwich union, did my pass plus and it bought my insurance down by 40%. I also got breakdown coverage which lowered it by 100 and imbolliser also helped. The car is only 3rd party.

Karl_CLCoupe · Post by **Karl_CLCoupe** » Tue Jul 06, 2004 11:16 pm

900 is still very good compared to some of my quotes. There was hope in that one company said 400 quid comes off the price, just for me turning 18!

Karl.

robz · Post by **robz** » Tue Jul 06, 2004 11:59 pm

well im 19. last summer i chaged from a 1ltr Fox to my Gt & my insurance went up by bout Â£15 a month. In ma dads name im bout Â£500 4 the GT so i thot jst over Â£700 was good 4 maself, all mods listed (suspension, exhaust, alloys (think your alloyed 5))

From all the ppl i no whove dun pass plus it doesnt make much of a diff if any at all.

deadcat · Post by **deadcat** » Wed Jul 07, 2004 9:54 am

Sh*t!
insurance for you guys is really that high?
I'm 26 with 4 years no claims and 3 points (speeding)
and my 1.3cl only costs me Â£300 fully comp!

Tahrey1043 · Post by **Tahrey1043** » Wed Jul 07, 2004 2:58 pm

Lo-phat, you DO mean MONTHLY right?! Â£32 per year is... well.. just not right

........ever.

Meself - young well-educated male, working a barman job, insuring it for a second year at age 21, one years no claims, no points, going up from TPFT to Fully Comp (not much extra, plenty of bonuses), sticking with same company (endsleigh) but playing them off each other....

Â£474

That's for a 1.0 squareback CL, 91-H, no mods, no security measures other than a stoplock, usually parked on a B7x driveway, value around Â£500, "maybe" 7000 miles per year (yeah right).

Oh yeah, license held for more than 4 years at that point, and pass plus as well. Didn't do jack but i'm still glad i took it.

(wtf? norwich union drop the quote if you have breakdown cover? buggers never mentioned that to me when i called em)