Prelude: 2.0 vs. 2.2VTEC - Insurance!

Prelude: 2.0 vs. 2.2VTEC - Insurance!

Author
Discussion

.blue

Original Poster:

726 posts

179 months

Monday 5th December 2011
quotequote all
Looking at Prelude's - choice is quite limited because I'm after a 5th gen manual and would quite like Motegi edition if possible.


My dilemma is this: insurance for the 2.2 VTEC is almost double that of the 2.0l at around £2k. And I want to limit the amount of money I waste on insurance to £1000 at the most.

While I'd quite like to experience and own my first VTEC engine, it seems I may have to wait a few more years. So should I buy the 2.0 VTI variant or shelve plans to buy the Prelude?

A few more questions:
1. Is there anything else I should look at? MX-5 is obvious contender but I'd prefer a Prelude.
2. Has anyone under/around 21 insured a 5th gen Prelude under a classic policy? Who with and how much does it cost?

Cheers.

TypeRTom

502 posts

156 months

Tuesday 6th December 2011
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I think most classic policies will require you to be over 25. You don't build up no claims with them either. I was told that it wouldn't be possible to get a gen 4/5 Prelude on a classic policy, but it would be possible for a BMW E36.

Sam1990

398 posts

166 months

Tuesday 6th December 2011
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There is no 2.0VTI variant. The 2 litre Prelude uses the F20 engine, a non VTEC engine and isn't a particularly quick car. When I was looking to buy my Prelude I was doubtful there could be much of a difference between the two engines until I took them both for a test-drive and there's a huge difference, if you're after a VTEC engine and settle for the 2.0 you'll be forever wishing you stumped up the cash for the 2.2vti.

I insured my 5th Gen at 20 years old for £1300 a year with 2 years no claims, this year it was a shade over £1000. What have you been quoted and by who?

.blue

Original Poster:

726 posts

179 months

Tuesday 6th December 2011
quotequote all
Sam1990 said:
I insured my 5th Gen at 20 years old for £1300 a year with 2 years no claims, this year it was a shade over £1000. What have you been quoted and by who?
So far I've got around £1900 with Admiral as the best quote. The quote for 2-litre is just over £1,000. Who are you with? I'm of a similar age with 2 years NCB too.

Just to clarify - all UKDM 2.0 models are non-VTEC and all 2.2 models are VTEC - is that correct?

tali1

5,265 posts

200 months

Tuesday 6th December 2011
quotequote all
5th gen Prelude is old enough for classic - but 21year old driver can be insured - but it is rare.
Also as classic it needs to be 2nd car.

.blue

Original Poster:

726 posts

179 months

Tuesday 6th December 2011
quotequote all
tali1 said:
5th gen Prelude is old enough for classic - but 21year old driver can be insured - but it is rare.
Also as classic it needs to be 2nd car.
Any ideas of insurers who would cover 21yo on a Prelude as a classic? This would actually work better if it's substantially cheaper as I would prefer to keep my bigger (more convenient) car for every day use.

Sam1990

398 posts

166 months

Wednesday 7th December 2011
quotequote all
.blue said:
Any ideas of insurers who would cover 21yo on a Prelude as a classic? This would actually work better if it's substantially cheaper as I would prefer to keep my bigger (more convenient) car for every day use.
I went with Adrian Flux for my first year with it then Sky came in cheaper this year. I live in a pretty bad postcode rating with 3 points too, I'm surprised you're being quoted those prices. I've looked into classic policies and ran into the age buffers too so have given up searching. If you managed to take out out a classic policy under 25 I imagine you'd have very restricted mileage so could forget using it as a daily.

Shop around and don't be afraid to pick the phone up, online quotes aren't all that accurate.

In answer to your earlier question ALL 2.0 Preludes are non VTEC engines, there are two varients of the 2.2 models, the H22 engine and the F22 engine, the H22 being the most common engine pushing 185bhp (1997-1998 black top cars) or 197bhp (1999-2001 red top cars), the red tops being the more sought after. The F22, I think, was a JDM only engine so it's unlikely you'll see one on our roads.

I can't recommend the Prelude enough as a car to own, a hidden gem for the performance and reliability on offer for their prices as well as being quite rare too. I would honestly wait until you can own a 2.2 as I reckon you'd be let down with the 2 litre.

head over to PreludeUK, loadsa helpful info on there: http://preludeuk.forumup.com/

Edited by Sam1990 on Wednesday 7th December 20:07

nottyash

4,670 posts

194 months

Wednesday 7th December 2011
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I was paying £185 fully Comp with Swiftcover 2 years ago for a V plate 2.2 VTI Motegi. It will of gone up now though, all insurance has but I wouldnt expect it to be more than £300.
Ive had 4, all 2.2 VTIs 2 4th gen, and 2 5th gen, they are great cars

IrrElephant

30,192 posts

159 months

Wednesday 7th December 2011
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I had a Motegi and loved it. Cracking car.

woodytype S

691 posts

236 months

Friday 9th December 2011
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I had a Type S best car that I have owned. PS Im 65
I forgot to say that my DC 5 that I run now is also very good.

Edited by woodytype S on Friday 9th December 08:05

IrrElephant

30,192 posts

159 months

Friday 9th December 2011
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Woody were you on Honda Revolutions?

woodytype S

691 posts

236 months

Saturday 10th December 2011
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IrrElephant said:
Woody were you on Honda Revolutions?
Yes, in the good old days.

IrrElephant

30,192 posts

159 months

Saturday 10th December 2011
quotequote all
woodytype S said:
Yes, in the good old days.
They certainly were, I was Porker on there, always getting stick from jonion hehe

.blue

Original Poster:

726 posts

179 months

Saturday 10th December 2011
quotequote all
This isn't going to happen thanks to my insurer. Currently insured for £800 p.a. on a 1.4l hatchback. For a 2.2 VTI Prelude they want £2000!

Might look at the MX-5 but it's sad that I probably won't get a chance to own a Prelude as they're getting older and older - really would have been awesome to own the car I grew to love so much on Gran Turismo 4 as a teenager!

Nevertheless thanks for all your replies everyone smile

IrrElephant

30,192 posts

159 months

Saturday 10th December 2011
quotequote all
That's a shame mate. They are lovely cars to drive.

Very (as my mum called it) 'Reverse-tardis' like inside, they look massive from the outside but the interior space is terrible hehe

Mine had leather, Carbon Fibre dash inserts and EP3 Wheels and lowered 40mm. Needed nothing else IMO.

woodytype S

691 posts

236 months

Sunday 11th December 2011
quotequote all
IrrElephant said:
They certainly were, I was Porker on there, always getting stick from jonion hehe


The days of the Type S

















s

haggis88

8 posts

151 months

Friday 16th December 2011
quotequote all
one thing i will say about the H22 engine...make sure you get a well looked after one, as they can be a pig of an engine to get parts for and tend to be expensive! (In Honda terms)

I had a JDM H22A from a 4th Gen Prelude Si-VTEC (197bhp Blacktop, JDM only) fitted into my Civic Coupe, and it was utterly amazing!

I'd honestly hold out for the 2.2 aswell, the F20 is brutally slow...especially since the car is quite heavy!

P.S (HI PORKER)!

IrrElephant

30,192 posts

159 months

Friday 16th December 2011
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Hi HaggisFace.

mike edge

1 posts

147 months

Sunday 18th December 2011
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i have a nice prelude 2.2 vtec for sale if any of you are interested £1200

giblet

8,824 posts

176 months

Sunday 22nd January 2012
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I too am having issues with insuring a 2.2 vtec lude. Looking at buying another 4th gen BB1. My last one cost me £1200 to insure, that was 3 years ago with 1 year ncb and a fault claim on file. Now I have 3 years ncb, no claims on file and I have a daily driver so this would be a weekend toy. My quotes are still coming back at around £2k, all for a £700 car!