Mazda rx-8

[Callum91]

Im 18 at the moment, looking to buy an rx-8 at the start of next year when i have got some money together and will then by 19 by this point. At the moment im a named driver on my 'mums car' if you know what i mean and my dad will be the 'main driver' on the rx-8. Have looked round a few insurance companies recently and none of them will insure us both on it whatsoever due to my age. Can anyone reccomend an insurance company that will insure me on it. I understand its going to cost a good few grand to get insured on it but i am willing to fork out. Cheers in advance

[kiethton]

Nobody will quote you doing this as its obvious to them that you will be the only person driving it regularly....something that is also illiegal (fronting).

This is examplified by my 18 y.o. brother finding it cheaper to be the policy holder on his car rather than fronting.

You are far better off doing the insurance in your own name and building up your own NCB, it will be cheaper, in the long run, if not now, and you will actually be insured

[fathomfive]

Callum91 said:

At the moment im a named driver on my 'mums car' if you know what i mean

Based solely on this, you simply must be a troll.

[Oxygen Thief]

I have a feeling OP, that this thread isn't going to go well for you.

Reason for edit: Bloody iPhone won't do what I want it to.

Edited by Oxygen Thief on Wednesday 23 June 07:19

[Oxygen Thief]

Callum91 said:

Im 18 at the moment, looking to buy an rx-8 at the start of next year when i have got some money together and will then by 19 by this point. At the moment im a named driver on my 'mums car' if you know what i mean and my dad will be the 'main driver' on the rx-8. Have looked round a few insurance companies recently and none of them will insure us both on it whatsoever due to my age. Can anyone reccomend an insurance company that will insure me on it. I understand its going to cost a good few grand to get insured on it but i am willing to fork out. Cheers in advance

Quoted for prosperity.

[Oxygen Thief]

Whoops, double post.

Edited by Oxygen Thief on Wednesday 23 June 07:15

[Curry Burns]

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.

Edited by Curry Burns on Wednesday 23 June 07:19

[hairybiddy]

profile said:

Main hobby is fishing, cant get enough of it

from under a bridge no doubt...

[Ry_B]

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.

Edited by Curry Burns on Wednesday 23 June 07:19

Completely disagree with what you said.

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)

Edited by Ry_B on Wednesday 23 June 07:45

[edo]

Callum Barker of Manchester, currently driving a Fiat Punto MK2, you are an idiot, and it is called fronting.

[snotrag]

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.

[Curry Burns]

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.

Edited by Curry Burns on Wednesday 23 June 07:19

Completely disagree with what you said.

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)

Edited by Ry_B on Wednesday 23 June 07:45

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.

[KENZ]

Better to get a banger for the first few years of driving. Just cause you've passed your test doesn't give you experince of being behind the wheel or mean you are a good driver..

[cmackay81]

Callum91 said:

Im 18 at the moment, looking to buy an rx-8 at the start of next year when i have got some money together and will then by 19 by this point. At the moment im a named driver on my 'mums car' if you know what i mean and my dad will be the 'main driver' on the rx-8. Have looked round a few insurance companies recently and none of them will insure us both on it whatsoever due to my age. Can anyone reccomend an insurance company that will insure me on it. I understand its going to cost a good few grand to get insured on it but i am willing to fork out. Cheers in advance

to be vaguely helpful (as I can see the advanced driving forum must be a bit quiet today)...
try looking into doing your Pass Plus test, how much that will cost, and if that will help you.
back when I was 19 I was in a similar situation to you, though genuinely I was being insured on my mum's car and she did drive it much more than me. We got insurance through Co-op insurance until I was 21 in which I got my own car and own insurance.

The pass plus which was required for coop insurance at the time was cheap to do, and didn't take long to do, IIRC about 6 hours of driving with an instructor and no test either.

[homerjay]

get your own insurance.



thread closed.

[Daston]

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.

Edited by Curry Burns on Wednesday 23 June 07:19

Agree with him being an idiot 100% Curry, however some young drivers can be responsible. I had a Mk2 MR2 and a Supra at 19 and never had any issues. However part of that was because I had built up my own NCB and knew if I had a fault claim I wouldnt beable to afford the insurance lol.

[ZesPak]

Idd, get your own insurance, and think long and hard to owning a car like that at your age.
There are a lot of nice cars for the same budget that may not be as fast to drive, but will be cheaper to run, insure and give you a nice run in into a "performance" car.

[rehab71]

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 fk-all!

[cmackay81]

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 fk-all!

he's got a good point. The first car I ran was a 1.3 skoda estate, bloody good car, cheap to run and cheap to insure, gave me plenty of experience of roads before i moved on to an FTO a few years later

[ZesPak]

cmackay81 said:

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 fk-all!

he's got a good point. The first car I ran was a 1.3 skoda estate, bloody good car, cheap to run and cheap to insure, gave me plenty of experience of roads before i moved on to an FTO a few years later

I agree with the experience, but the running costs is something he'll have to calculate himself. He maybe could pay a lot more to get a decent Golf, like all his mates, but then he shouldn't be on PH tough!

To advise the op: get something else interesting, something less powerful for a couple of years. It'll save you tonnes of money and maybe even your life.

Is it ok to suggest something along the lines of an MX5 now?