Jagaur XF Insurance + Young Driver
Discussion
Hi All!,
Safe to say I've fallen in love with the Jaguar XF R Sport AWD 2.0d, however, I've been having difficulty finding an insurance company that would give a reasonable quote for a 20-year-old, with 2 years no claims. Looking at a 1-year-old car.
I understand it's not exactly a "normal" car for a 20-year-old to be driving, but I've been saving and would love to get it!
Basically looking for any assistance/recommendations of insurance providers that may cater towards young drivers and "performance" vehicles! I do around 5-6k business miles (no way around this) and around 2-3k social miles per year too.
Many thanks,
Safe to say I've fallen in love with the Jaguar XF R Sport AWD 2.0d, however, I've been having difficulty finding an insurance company that would give a reasonable quote for a 20-year-old, with 2 years no claims. Looking at a 1-year-old car.
I understand it's not exactly a "normal" car for a 20-year-old to be driving, but I've been saving and would love to get it!
Basically looking for any assistance/recommendations of insurance providers that may cater towards young drivers and "performance" vehicles! I do around 5-6k business miles (no way around this) and around 2-3k social miles per year too.
Many thanks,
Unless you land a job as top performing city broker or win the lottery, forget any notion of owning and driving such a vehicle until you are at least 25.
You 'may' find something within the sphere of affordability but you'll be lumbered with the dreaded black box. OK for a 1.0l Fiesta. Not for a car such as the Jag.
My lad is 19 and looking at upgrading his Fiesta 1.4 (which costs him £1,100 a year to insure). He found a cracking little MX5, absolutely ideal for someone of his age and interests. £2k to buy. £9k to insure.
It's completely wrong but they simply don't want you driving such cars at your age. They'd rather you not drive at all.
Keep saving. Seriously; you've many many years of exciting driving ahead of you and it's worth the wait.
You 'may' find something within the sphere of affordability but you'll be lumbered with the dreaded black box. OK for a 1.0l Fiesta. Not for a car such as the Jag.
My lad is 19 and looking at upgrading his Fiesta 1.4 (which costs him £1,100 a year to insure). He found a cracking little MX5, absolutely ideal for someone of his age and interests. £2k to buy. £9k to insure.
It's completely wrong but they simply don't want you driving such cars at your age. They'd rather you not drive at all.
Keep saving. Seriously; you've many many years of exciting driving ahead of you and it's worth the wait.
StevieBee said:
Unless you land a job as top performing city broker or win the lottery, forget any notion of owning and driving such a vehicle until you are at least 25.
You 'may' find something within the sphere of affordability but you'll be lumbered with the dreaded black box. OK for a 1.0l Fiesta. Not for a car such as the Jag.
My lad is 19 and looking at upgrading his Fiesta 1.4 (which costs him £1,100 a year to insure). He found a cracking little MX5, absolutely ideal for someone of his age and interests. £2k to buy. £9k to insure.
It's completely wrong but they simply don't want you driving such cars at your age. They'd rather you not drive at all.
Keep saving. Seriously; you've many many years of exciting driving ahead of you and it's worth the wait.
Thanks for the reply Stevie, I've managed to find an insurance quote for £2.4k without a black box, yes that's a lot more than my current 1.25 Fiesta I admit. I completely understand what you're saying, and yes a lot of them do just give silly premiums so you won't drive with them. You 'may' find something within the sphere of affordability but you'll be lumbered with the dreaded black box. OK for a 1.0l Fiesta. Not for a car such as the Jag.
My lad is 19 and looking at upgrading his Fiesta 1.4 (which costs him £1,100 a year to insure). He found a cracking little MX5, absolutely ideal for someone of his age and interests. £2k to buy. £9k to insure.
It's completely wrong but they simply don't want you driving such cars at your age. They'd rather you not drive at all.
Keep saving. Seriously; you've many many years of exciting driving ahead of you and it's worth the wait.
I suppose the fact I've nearly got a nice deposit saved up and earning a decent amount for my age, it's "affordable"
Is it the XF they object to, or just that specific one? What happens if you run an older one (http://www.autotrader.co.uk/classified/advert/201708268706645 sort of thing) through?
NB: Not saying you should by that particular XF, but there is likely to be a bit of loading for new vs older car, and it would be worth finding out how much.
Mind you, if you've got to have the latest greatest thing then you should kind of expect to be paying for it...
NB: Not saying you should by that particular XF, but there is likely to be a bit of loading for new vs older car, and it would be worth finding out how much.
Mind you, if you've got to have the latest greatest thing then you should kind of expect to be paying for it...
Why do you want a rep mobile saloon car? While you've got no kids (presumably) take your pick of the many fantastic 2 door, 2 seat drivers cars out there. Maybe a basic Lotus Elise, great fun and learn how a proper sports car should handle.
You can get a powerful saloon when practicality dictates.
You can get a powerful saloon when practicality dictates.
Also, you may be surprised - a SE spec one will likely be a good chunk less to insure
When getting my old Astra Sporthatch (when 18/19) The cost difference between the SRi and SRi with bodykit doubled the premium despite being identical, the SXi was cheaper to insure still (but not by much)
When getting my old Astra Sporthatch (when 18/19) The cost difference between the SRi and SRi with bodykit doubled the premium despite being identical, the SXi was cheaper to insure still (but not by much)
Shirt587 said:
Is it the XF they object to, or just that specific one? What happens if you run an older one (http://www.autotrader.co.uk/classified/advert/201708268706645 sort of thing) through?
NB: Not saying you should by that particular XF, but there is likely to be a bit of loading for new vs older car, and it would be worth finding out how much.
Mind you, if you've got to have the latest greatest thing then you should kind of expect to be paying for it...
not sure, just a big fan of the new face lift for the XF. Will run that through insurance quotes this evening!NB: Not saying you should by that particular XF, but there is likely to be a bit of loading for new vs older car, and it would be worth finding out how much.
Mind you, if you've got to have the latest greatest thing then you should kind of expect to be paying for it...
Mr Overheads said:
Why do you want a rep mobile saloon car? While you've got no kids (presumably) take your pick of the many fantastic 2 door, 2 seat drivers cars out there. Maybe a basic Lotus Elise, great fun and learn how a proper sports car should handle.
You can get a powerful saloon when practicality dictates.
Mainly comfort, being a tall person, comfort for the long drives is a pretty crucial factor.You can get a powerful saloon when practicality dictates.
kiethton said:
Also, you may be surprised - a SE spec one will likely be a good chunk less to insure
When getting my old Astra Sporthatch (when 18/19) The cost difference between the SRi and SRi with bodykit doubled the premium despite being identical, the SXi was cheaper to insure still (but not by much)
SE being the basic XF trim? I'll have a look at one and see what it does with the insurance premium. Thanks.When getting my old Astra Sporthatch (when 18/19) The cost difference between the SRi and SRi with bodykit doubled the premium despite being identical, the SXi was cheaper to insure still (but not by much)
CubanPete said:
£2.4K doesn't sound unreasonable!
Is there a similar model that doesn't have the word sport in its designation? This will make a difference...
I thought it was ok as well, the model below is called "Prestige" and the one above is "S" which is the 3 Litre top end one, which is definitely a no go hahaIs there a similar model that doesn't have the word sport in its designation? This will make a difference...
StevieBee said:
Unless you land a job as top performing city broker or win the lottery, forget any notion of owning and driving such a vehicle until you are at least 25.
Why??I had a 328Ci at 19, and a CLK55 AMG and a R1engined "7" at 21.
At this point i was working for Tesco earning around £9/ Hour.
A 2.0D heavy Jag is hardly going to be a rocket ship, so don't see why it should be particularly expensive to insure?
I would guess the OP's postcode is the issue, not the car.
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