Insurance 20 y/o This is not a whinge at costing too much.
Discussion
Evening All.
This is not a whinge, more seeking advice on which company may help reduce it.
Have been working pretty hard recently, and was looking at something new to me. MG ZS 180 top of pile at the moment.
Looking at insurance I can buy a face lift and insure it for little over 5k. Yes it’s expensive but I’d rather spend it on something I’ve worked for. I don’t plan to put this on finance, put a personal reg on it or buy something newer because it’s the reg that matters bro and its all chicks look at.
My query is there a company which will honour my 3/4 year company car no claims? As I feel this may reduce price, and I may be looking at getting something before the end of summer
Cheers Russ
This is not a whinge, more seeking advice on which company may help reduce it.
Have been working pretty hard recently, and was looking at something new to me. MG ZS 180 top of pile at the moment.
Looking at insurance I can buy a face lift and insure it for little over 5k. Yes it’s expensive but I’d rather spend it on something I’ve worked for. I don’t plan to put this on finance, put a personal reg on it or buy something newer because it’s the reg that matters bro and its all chicks look at.
My query is there a company which will honour my 3/4 year company car no claims? As I feel this may reduce price, and I may be looking at getting something before the end of summer
Cheers Russ
5k on insurance, thats crazy man!
Seriously, you will regret it, it just isn't worth it for a mildly interesting car. Keep whatever you have got, wait a couple of years, and you should have some more sensible quotes. Or find something similarly interesting that costs less to insure.
Even if you think its a good idea now, you wont in a few years time.
Seriously, you will regret it, it just isn't worth it for a mildly interesting car. Keep whatever you have got, wait a couple of years, and you should have some more sensible quotes. Or find something similarly interesting that costs less to insure.
Even if you think its a good idea now, you wont in a few years time.
if you really have your heart set on the mg, this wont dissuade you, but i am 21, and insuring a 1.8 focus (i know, alot slower) for 650 fully comp, and my insurance is 100% true, so no mums main driver rubbish as with you
the only thing is, i was looking at more interesting cars, like st170, and zs's as well, and was getting quotes for more like 1500, with 2 years no claims (my policy was always mucked about in my 1st year) so was wondering how come yours are so high? as that does seem very expensive even for that car
and im sure you have, but try mg owners club, when i was looking at zr's they had some deal that got insurance cheaper with a specific company.
the only thing is, i was looking at more interesting cars, like st170, and zs's as well, and was getting quotes for more like 1500, with 2 years no claims (my policy was always mucked about in my 1st year) so was wondering how come yours are so high? as that does seem very expensive even for that car
and im sure you have, but try mg owners club, when i was looking at zr's they had some deal that got insurance cheaper with a specific company.
jimmy156 said:
5k on insurance, thats crazy man!
Seriously, you will regret it, it just isn't worth it for a mildly interesting car. Keep whatever you have got, wait a couple of years, and you should have some more sensible quotes. Or find something similarly interesting that costs less to insure.
Even if you think its a good idea now, you wont in a few years time.
I think he meant he could both buy and insure for £5K, which sounds about right. A good facelift ZS180 is around £3K then £2K for the insurance. Seriously, you will regret it, it just isn't worth it for a mildly interesting car. Keep whatever you have got, wait a couple of years, and you should have some more sensible quotes. Or find something similarly interesting that costs less to insure.
Even if you think its a good idea now, you wont in a few years time.
Not a bad choice and if it's what you really want then go for it. I did the spending a load on a car a couple of years ago. I had a 1.8T Golf GTi with mods costing me £2K a year insurance. It was quick enough and handled well with the mods I had done, but now I regret the amount of money spunked on it.
A lot of people are going to say don't do it, build the NCB etc. I'd be a hypocrite to say this having already done what you're thinking about doing.
Try juggling a few 'occupations' around in your quotes, may work out cheaper depending on ahem, cough, what you do!
What about a 2000 reg Honda Civic Vti (mb6 5 door model)? Same body as MG ZS and lots of parts are swoppable between the makes. Standard Civic is 170bhp and a few cosmetic mods will bring the car up-to-date looks
With decent air filter and Exhaust, can reach around 180/190 bhp..for a fraction of the cost of newer MZ ZS. Help towards your insurance?
What about a 2000 reg Honda Civic Vti (mb6 5 door model)? Same body as MG ZS and lots of parts are swoppable between the makes. Standard Civic is 170bhp and a few cosmetic mods will bring the car up-to-date looks
With decent air filter and Exhaust, can reach around 180/190 bhp..for a fraction of the cost of newer MZ ZS. Help towards your insurance?
If it helps, I'm 20 year old and had the same aspiration - after a nice MG ZS 180 and even with 2 years ncb, parents in the policy, still was getting quotes between 1500 and 2000 per year, so decided to stay MG either way and got myself a ZR in the end.
Albeit it's only a bottom rung 105, but driven properly, they are seriously nippy for a 1.4 16v, and the handling is certianly very good - and I came from a mk2 golf gti beforehand so kinda know the yard stick for a good fwd handling car! And the ZR is almost up there!
So maybe consider one of these? I'm deffo looki g at ZS 180s again when I get 3 years under my belt
Albeit it's only a bottom rung 105, but driven properly, they are seriously nippy for a 1.4 16v, and the handling is certianly very good - and I came from a mk2 golf gti beforehand so kinda know the yard stick for a good fwd handling car! And the ZR is almost up there!
So maybe consider one of these? I'm deffo looki g at ZS 180s again when I get 3 years under my belt
As said, it's highly unlikely anyone will give a bonus 8 months claim free.
Also, you say about using experience from a company car policy - will you be stopping using a company car at that point? You generally can't claim a discount for company car experience until you stop driving on that company policy (for the same reason you can only use one lot of earned NCD on one car).
Also, you say about using experience from a company car policy - will you be stopping using a company car at that point? You generally can't claim a discount for company car experience until you stop driving on that company policy (for the same reason you can only use one lot of earned NCD on one car).
xRIEx said:
As said, it's highly unlikely anyone will give a bonus 8 months claim free.
Also, you say about using experience from a company car policy - will you be stopping using a company car at that point? You generally can't claim a discount for company car experience until you stop driving on that company policy (for the same reason you can only use one lot of earned NCD on one car).
Some companies will mirror the NCB onto a new policy....Also, you say about using experience from a company car policy - will you be stopping using a company car at that point? You generally can't claim a discount for company car experience until you stop driving on that company policy (for the same reason you can only use one lot of earned NCD on one car).
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