Discussion
rehab71 said:
ZesPak said:
Is it ok to suggest something along the lines of an MX5 now? 
People laugh at the MX-5, but it's a bloody good car and could actually teach you something about driving!Few on PH will argue with that.
rehab71 said:
Along with a lot of the other posts I agree that you should be correctly insured. But that aside, don't buy a RX-8! I'm sure you're tempted by a cheap '53 plate or something like that, think, there's a reason why they are so cheap, they are extremely expensive run! We have a Mazda franchise where I work and you should see some of the peoples' faces when they are quoted for work, then they trot over to my desk and want to P/X the car and guess what they are then surprised when the car is worth the grand some of f
k-all!
They're not expensive to maintain - I know Mazda fleece their customers for work and parts, but that's no worse than anyone else (VAG do exactly the same, even for Skodas).k-all!Servicing's pretty reasonable even at main dealers and general repairs and replacements from independents are no worse than anything else (better than most cars with similar performance, I'd be tempted to say).
They are expensive to run though as 21ish MPG is about the norm for the 6-speed cars with the more powerful engine.
M.
In my opinion, you should wait a couple of years and build up NCBs before getting the RX8. I ran a 1.0 Micra in my own name for 2 years, then got a jap import which I insured myself, and now I'm driving a 1.8 MX5 and not paying all that much. If you're having trouble getting quotes, it's more than likely due to the fact of your age.
HTH
HTH
look mate its not worth it. i would just wait till u can pay it yourself. i got a seat leon cupra r when i was 19 and just had to pay it. some girl who lied to her insurance company ended up paying a big price because they sued her. the only thing is im not sure how they can prove it tho.
Callum91 said:
Point taken about the main driver thing, my insurance ran out last month on the punto anyway and its now in the garage not being driven. Have looked at trying to insure my self with my own policy on an rx-8 and still cant find a company that will do it.. any ideas people?
try putting your mum and dad as a second driver. it brought mine down by a lot. and i have found admiral to be cheap with me. In my humble opinion, its not the car you drive, its the way you drive it. Just be careful for goodness sake. We all get spirited sometimes - just don't do it when there's any risk that there are other people around who you could harm.
For what it's worth though, just get a little low insurance group hatch until your more experienced. Chances are you'll only fk a perfectly nice car into a tree anyway.
Good luck
For what it's worth though, just get a little low insurance group hatch until your more experienced. Chances are you'll only f
k a perfectly nice car into a tree anyway.Good luck
Ry_B said:
Curry Burns said:
I work in the industry and usually like to help out, but in this case what you are currently doing is very illegal and should your insurance company find out they will cancel your policy and black list you.
Just read that you plan to do it again with the rx-8, you idiot, do you really think insurance copamnies are that dumb. Oh this dads really cool, he let's his 19 year old son driving his rx-8, oh wait!! Should you have a claim, a claims inspector will be out on the case and he will repudiate the claim as soon as he finds out what happens and trust me, a young driver like you in a car like the Mazda will crash.
Completely disagree with what you said.Just read that you plan to do it again with the rx-8, you idiot, do you really think insurance copamnies are that dumb. Oh this dads really cool, he let's his 19 year old son driving his rx-8, oh wait!! Should you have a claim, a claims inspector will be out on the case and he will repudiate the claim as soon as he finds out what happens and trust me, a young driver like you in a car like the Mazda will crash.
Edited by Curry Burns on Wednesday 23 June 07:19
Just because he's young he will crash?
I owned an MR2 at 19..and let's just say I didn't take it easy. Never even had a problem in it. I owned an RX8 at 20, again driven "spirited" all the time and no problems.
Although I agree fronting is wrong, people will automatically jump onto their high horse in this thread. Many, many people front, how are the insurance company going to find out, place FBI agents outside your house? ( I am not condoning fronting here, I've always had my own policys)
I'm 20 and I've never crashed, but then when I look at the percentage of people I know who did crash when they were 17/18 I would say there is a pretty good chance of him crashing.
There is also a big differance between a 18 year old driver and a 20 year old driver, your drivings skills improve so much over a few years of driving.
Curry Burns said:
Maybe I worded it wrong, he is more likely to crash, you were, perhaps, one of the lucky ones. I have dealt with many young guys insuring high powered cars, mostly in their own name as I refused to do other wise (although some of my coleagues weren't as sharp), and 9/10 I would receive a phone call saying they'd stacked it. A fien example being, an 18 year old came into the office looking to insure an Impreza in his own name, fine, provided a quote (about £2,500) and he accepted. 2 days later i hear of a huge incident involving a young lad and an impreza hitting a tree at just under the ton. Low and behold it's the young lad who I insured.
He was lucky not to expire in that crash, so I refused to insure him on the new impreza he was looking at (I had the underwriters backing), so in the end we did insure him on a 1.2 Corsa and I've heard now he's back into an Impreza, not insured with us I might add.
FWIW I'll bite. A lot of my friends are the same age as me and we have high powered cars. I have a severe hatred for insurance right now as even "specialist" companies who say they look after sensible young drivers completely shaft you on insurance. My renewal for my Impreza comes up soon (I turned 20 last weekend) and I was quoted a very neat £4000 to reinsure it. You can guess where I told them to put that quote and a limited mileage policy will apparently cost me £1200 for 3000 miles. I still have just over a month left to get irritated with the situation before renewal so if worst comes to worst it's bye bye Impreza and hello more powerful classic car...He was lucky not to expire in that crash, so I refused to insure him on the new impreza he was looking at (I had the underwriters backing), so in the end we did insure him on a 1.2 Corsa and I've heard now he's back into an Impreza, not insured with us I might add.
Just because a driver is young and drives something powerful doesn't mean they'll wrap it round a tree. I suppose it's the age old adage of a (perhaps larger) minority ruining it for the majority. Those of you who have been on PH runs with me probably know I'm not the best driver in the world (which is true, no denying that), but I like to think I'm safe. I don't overtake in stupid spots or go too fast than what is sensible. In my first 3 years I have not had a crash, even though I started with sporty cars and have stayed there throughout my driving of roughly 40,000 miles.
Not a rant but wanted to get it off my chest. Even my f
king Mondeo costs me £1000 fully comp. And people wonder why younger folks try to cheat insurance (or go without)...Edit: apologies, only just connected to the web. This was supposed to go out hours ago. My point still stands, but I think this horse has been flogged enough before my disdain.
Edited by sebhaque on Wednesday 23 June 20:45
Callum91 said:
Point taken about the main driver thing, my insurance ran out last month on the punto anyway and its now in the garage not being driven. Have looked at trying to insure my self with my own policy on an rx-8 and still cant find a company that will do it.. any ideas people?
Here's an idea... don't buy an RX8 if you can't get insured on it. Wait a few years, build up come NCB.Plenty of cheap RWD cars out there within your means or some utterly superb cheap hot hatches in very low insurance groups like the Panda 100HP.
I completeley agree with all the annoyance at insurance prices going bananas at the moment. I'm dreading mine.
But theres one thing thing that most people are getting wrong.
[quote]Just because a driver is young and drives something powerful doesn't mean they'll wrap it round a tree.
[/quote]
As much as its a pain in the ass, the fact is, as far as insurance companies are concerned, generally that statement is actually true. Unfortunate, but thats the reality of it.
But theres one thing thing that most people are getting wrong.
[quote]Just because a driver is young and drives something powerful doesn't mean they'll wrap it round a tree.
[/quote]
As much as its a pain in the ass, the fact is, as far as insurance companies are concerned, generally that statement is actually true. Unfortunate, but thats the reality of it.
snotrag said:
Ry_B said:
how are the insurance company going to find out
When I was in 6th form one of the Lads badly crashed his Brand new Clio, insured under his mums name. When the insurance inspector came round, he simply knocked on the door of a couple of his neighbours houses first.
"Hello, I'm from company X, would you mind telling me, do you know who that Clio belongs to?"
" Oh yes, thats young Jimmys next door, bumped it hasnt he? "
"OK, thank you for your time"
Busted. Its not rocket science.
The insurance companies follow it up as soon as they are suspicious.
For example, they'll ring the previous keeper and ask who test drove the car, who paid the cash, etc etc. I know of this happening when they wanted to reclaim an injury payout to a permanently disabled passenger when the driver was not properly insured (dad's insurance, Saturday 3am crash, daughter driving..)
IMO if you can't afford to insure the RX-8 properly you probably can't afford to run it either. Plenty of better cars for you out here.
For example, they'll ring the previous keeper and ask who test drove the car, who paid the cash, etc etc. I know of this happening when they wanted to reclaim an injury payout to a permanently disabled passenger when the driver was not properly insured (dad's insurance, Saturday 3am crash, daughter driving..)
IMO if you can't afford to insure the RX-8 properly you probably can't afford to run it either. Plenty of better cars for you out here.
marcosgt said:
They're not expensive to maintain - I know Mazda fleece their customers for work and parts, but that's no worse than anyone else (VAG do exactly the same, even for Skodas).
They're not expensive to run compared with cars with similar purchase price and performance - but compared to what most young drivers have, they are very expensive. If you're used to running a sports car, £400-£600 for a set of tyres is not a big deal. If on the other hand you're used to being able to buy tyres for 30 quid a corner... Same with the rest of the parts that wear out. Set of OEM quality front discs and pads for a Punto - 40 quid. Set for an RX-8 - 160 quid. New clutch kit for Punto - £70. New clutch kit for RX-8 - £270. New catalytic converter for Punto - £150. New catalytic converter for RX-8 - 500. He's going to double his fuel costs. His road tax is going to increase from £110 to £245. He can't afford to insure what he's got now without committing insurance fraud. They're very cheap to buy now, but they are not a cheap car to run, particularly for a youngster who is going to get bent over for insurance.
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