Insurance help? 21 years old, '04 type r, 3 points?

[Daggers89]

Hi all, just need some advice if possible, I'm 21, drive an '04 plate civic type r, have 3 points and live in Cannock, near Stafford.
The cheapest quotes I'm getting are around the £2k figure :-/
Anyone know any companies that could beat that? I plan to phone Adrian Flux tomorrow and see what they say but just wanted to know if anyone knows of any others that could help.
Cheers folks
Daggers

[mazdajason]

Only 2k? You should be happy with that. How much was your insurance last year?

[Chrisw666]

mazdajason said:

Only 2k? You should be happy with that.

£2k to insure a peaky 2.0 Hatchback? Happy? I'd rather walk.

It sounds a mental figure to be paying for car insurance.

[Gad-Westy]

That sounds about right to me. But still, phone all the specialists and use every on-line comparison site you can think of. Are there any Type R owners clubs that may get you a little discount? Beyond that, I think you have to accept that it's not a cheap risk to cover I'm afraid.

[renrut]

TBH at that age I was paying about £800 for a 1.2 Micra with no points.

Try hunting around some of the specialists, Adrian Flux haven't been too bad in the past for me.

As others have asked - what were you expecting it to be like / what was it like last year?

[sklar]

Sounds about right. Youngest driver I know is 21 and he's just got a Astra G GSI Turbo (he's a VX Tech) with similar insurance price.

[mazdajason]

I'm not implying I would pay it, just telling the OP if if thinks he will get it cheaper he's mad.
I would rather walk too.

[SD1992]

mazdajason said:

Only 2k? You should be happy with that. How much was your insurance last year?

Are you kidding??

I am 19, with 1 year NCB, clean licence, and I can insure an Accord Type R for half that!

[Steameh]

Daggers89 said:

Hi all, just need some advice if possible, I'm 21, drive an '04 plate civic type r, have 3 points and live in Cannock, near Stafford.
The cheapest quotes I'm getting are around the £2k figure :-/
Anyone know any companies that could beat that? I plan to phone Adrian Flux tomorrow and see what they say but just wanted to know if anyone knows of any others that could help.
Cheers folks
Daggers

I've found flux to be less and less competitive with quotes, I was insured with them when I was 20/21 for around 1500 on a Supra tt with light mods declared.

Now I only ever seem to find Admiral can give me competitive quotes.

[kiethton]

try admiral, i'm 21 on a E92 335i, 3 points and pay just over £800

Edited by kiethton on Tuesday 7th June 15:46

[AB]

Admiral/Elephant/Bell have always been the cheapest for me.

[renrut]

SD1992 said:

mazdajason said:

Only 2k? You should be happy with that. How much was your insurance last year?

Are you kidding??

I am 19, with 1 year NCB, clean licence, and I can insure an Accord Type R for half that!

Put 3 points on it and put yourself in cannock and you'll see what happens

Also I'd see an Accord Type R as a far lesser risk than a Civic Type R purely down to demographic.

[N88]

Give Admiral a try. Cheapest for me and my mates of similar age on a range of cars.

I'm 22, 4 years NCB and insure a Teg Type R for around £800.

Also, rather unbelievably, if you're insuring it as kept on a driveway, try changing it to being kept on the road - learnt this recently.

ETA: Flux simply said no to me

[ambuletz]

insurance is highly individualistic, so saying x-insurer is cheapest or y-insurer is best is kind of pointless. trawl through the comparison sites, if you get a good quote from there, then try the individual site of the insurer you got a good quote from. if the comparison sites don't help, then try the ones that don't use them. From then on, try specialist insurers that say they are friendly to people with points/young drivers. Then try insurance brokers, get them to do the work for you. If after all that you're still really desperate, then try asking on car model-specific forums, and check out places like quidco/money supermarket/hotdeals for any sort of discounts/cashback you can get to make your insurance cheaper.

The more quotes you get, the better idea you'll have.... given your circumstances.
If its still all too much, then consider changing those circumstances to make your insurance more affordable. (lower the miles, change the car, change where its parked, sex change). But even then.. is it really worth selling a car just to get cheaper insurance?

[mcflurry]

When our 19 year old local delivery guy turned up in a Beemer I asked him about the insurance.
He said it was £1400 for a snotter or £1600 for the BMW. £200 a year extra for a decent set of wheels was a no-brainer for him

[RenesisEvo]

mcflurry said:

When our 19 year old local delivery guy turned up in a Beemer I asked him about the insurance.
He said it was £1400 for a snotter or £1600 for the BMW. £200 a year extra for a decent set of wheels was a no-brainer for him

Slightly O/T, but I've just re-newed my insurance, I'm a little older, but the insurance for a £1k, 1.0 Micra came out the same as my existing 57-plate Focus. In fact provided I wasn't silly, the insurance quotes never really changed regardless of what car I actually selected. I should probably try more PH metal

[roachcoach]

I think I saw a couple of hundred quid variance between a 1.25 fiesta and my focus ST.

I'm old though

[mazdajason]

renrut said:

Put 3 points on it and put yourself in cannock and you'll see what happens

Also I'd see an Accord Type R as a far lesser risk than a Civic Type R purely down to demographic.

Exactly.

[GingerWizard]

group 17 insurance.

I pay 720 fully comp, no points, homeowner 27 yrs old.

2k seems about right.

Try asking for Evo insurance.......


fook that!!!!!

[Aviz]

Little Bro is 23, 2 yrs NCB. No claims or convictions.

Civic Type-R - He is paying £2200

He has tried absolutely everyone, and Admiral came out cheapest. If he moved 200 metres down the road, where the postcode changes from manchester to Wigan, it would be about £1500 !!