Insurance :(

**tobyemery** · 21-12-2008,09:28 PM

hello...i hope to be able to get my first golf in may time as this when ive had a years experience. ive been looking around for cheap insurance but all of which seem high. cheapest so far is admiral..is there anyone on this forum who is of the same age as me and know of any cheap insurers..im 18 nd will have a years no claim nd a years experience in may..am hoping for a gti mk4 180 version.

**po1o_madman** · 21-12-2008,09:45 PM

It ain't going to be cheap with anyone because of your age. Have you tried www.moneysupermarket .com? Brilliant comparison site.

I'm 19 and to insure a 1996 1.4 polo costs me £800.

**tobyemery** · 21-12-2008,09:49 PM

yer i know its not going to be cheap, i had top pay just under 2k last year for my 1.6 306

so when i think about paying just over 2k for gti 180 it doesnt bother me that much..and yer ive tried all the comparison sites. probally isnt such thing as cheap car insuyrance for a boy below 19

**macmillions** · 21-12-2008,09:50 PM

I would knock that age up to 25...

**euroslap** · 21-12-2008,09:55 PM

It's worth trying a few VW specialists like the forum insurers but I still think it'll be quite expensive on a 180bhp GTi.

**tobyemery** · 21-12-2008,10:08 PM

yer..cheapest ive had is £2350..which i think is cheap lol money supermarket gave me prices of 4k

**Primo1000** · 22-12-2008,10:32 AM

Originally Posted by tobyemery

yer..cheapest ive had is £2350..which i think is cheap lol money supermarket gave me prices of 4k

You must have money to burn to be paying £2350 on car insurance, I'd hang on with the car you've got until you get some NCB under your belt.

omegadirective · 22-12-2008,11:08 AM

Originally Posted by tobyemery

yer i know its not going to be cheap, i had top pay just under 2k last year for my 1.6 306

so when i think about paying just over 2k for gti 180 it doesnt bother me that much..and yer ive tried all the comparison sites. probally isnt such thing as cheap car insuyrance for a boy below 19

Nope, there isn't. I agree with the below quote and you'll maybe realise that you can't get "cheap" insurance for a performance car:

Originally Posted by macmillions

I would knock that age up to 25...

-----------------------------------------------------------------------------------

Originally Posted by euroslap

It's worth trying a few VW specialists like the forum insurers but I still think it'll be quite expensive on a 180bhp GTi.

It will be at least £2,000 at your age. I will also bet my shirt and tie that you won't have everything required for sufficient legal cover. Don't find it out the hard way either... Check everything throroughly before you buy it. Don't be too keen because they're cheap. A company may look like they're saving you hundreds of ££'s but in reality the first accident you are involved in, your fault or otherwise, you may get stung and they'll cost you a fortune.

Originally Posted by tobyemery

yer..cheapest ive had is £2350..which i think is cheap lol money supermarket gave me prices of 4k

At 18 I would think that would be 3rd Party as well. Not a good idea when you have a performance car. Also, don't mod it. At all. You'll basically void the insurance at your age.

I'm 21, 3 years NCB (almost 4 but I switched insurance company for my S3!

Lost half a year's NCB!

) I have a clean license (although think I got caught recently.

) and it costs me around £1,200 for the S3 225 BHP unmodified. I thankfully have everything on this insurance. Try Bell Direct. They're good. Gives you business cover too which is the reason I saved well over £2,000 on my quotes.

Originally Posted by Primo1000

You must have money to burn to be paying £2350 on car insurance, I'd hang on with the car you've got until you get some NCB under your belt.

I'd also agree with this. I can afford the insurance but it leaves me with little money for repairs, which the S3 needs at the moment. Things like a Xenon headlight unit can cost over £550 PER HEADLIGHT minimum if you get it done at a main dealer for their guarantee. Not cheap... Something to bear in mind should anything go wrong. Especially on an older car if you don't have the proper know-how.

Save your money for now and buy a 1.6 A3 or Golf. It will save you a lot of money for the time being and the insurance will still be expensive. Try Bell Direct as I said.

Also, remember the running costs of a performance car. I'm over £250 per month. My car likes 98 RON and has developed an addiction to BP Ultimate over V-Power, 2p difference between the brands at the moment but you notice it.

Still 98 RON is more expensive by at least 8ppl at the moment where I am.

**Eshrules** · 22-12-2008,11:12 AM

sorry to say it, but I'd be going for a cheaper/lower performance model. I'm 24 with a few years NCB and I still can't get cheap insurance on a Gti...

as a rough example for you to consider, a Golf mk3 1.8 Gti would cost me in the region of £2k to insure, drop the Gti badge, go over to a seat Toledo with the 1.8 20V engine (developing more bhp than the Gti) and I can easily half that insurance cost. It's all to do with many factors, including the class of car, the area you live in, the sex of the policy holder and, of course, age.

If you want something a bit nippy, but with cheap insurance, try looking at a small engined polo, or perhaps an Ibiza. They're both lightweight so don't need a terribly big engine to get them going.

I'm currently in a 94 polo, with a 1.0 engine pushing 34 bhp and I have to say, it's neither slow nor boring, weighing only 700kg .... food for thought perhaps

**Eshrules** · 22-12-2008,11:14 AM

Originally Posted by omegadirective

Also, remember the running costs of a performance car. I'm over £250 per month. My car likes 98 RON and has developed an addiction to BP Ultimate over V-Power, 2p difference between the brands at the moment but you notice it.

Still 98 RON is more expensive by at least 8ppl at the moment where I am.

The man speaketh much sense, I've just learnt this the hard way, young'uns would bode well to listen