Golf R impossible to insure for a 19 year old?

[ashmashcash]

I have neen left with the fortunate postion to be able to drive a Golf R 2012 plate when my brother goes on a business trip to the states for a year.

HOWEVER, upon doing quotes for insurance, it comes back with quotes of around £7,500 being the cheapest. (him named driver on policy also, doesn't make difference if i change myself to named drive) I have only used moneysupermarket.com and im guessing other comparision sites would be the same.

I am 19 years old, 1 years BCB, brother is 31, held liscence for just over 13 years.

What are my choices, specilaist insurance? Budget 3k for insurance.

My postcode is B90 1UB, nice part of west midlands, solihull.

Edited by ashmashcash on Tuesday 14th May 13:53

[StottyZr]

I'm surprised admiral won't insure you for a reasonible amount.

A friend of mine at 20 insured his Focus RS for £1450, with 0ncb and an at fault accident against him.
His Evo FQ320 for £2000 and his E60 M5 for £2500.

He didn't do anything special and he doesn't live at a safe postcode.

Edit: I tell a lie, I think he was 21 with the M5 and Evo, he was definately 20 with the Focus though and I'd expect that to be very similar to a Golf R insurance wise.

[Greg_D]

approach specialist brokers, after that, park it up securely and decommission it for a year... (why doesn't he sell it and buy another in a year, he will at least dodge a year's depreciation.

[big_boz]

http://www.motorcarinsuranceuk.co.uk/post-code-rat...

B90 is B which is almost as good as it gets, you tried money supermarket?

[big_boz]

big_boz said:

http://www.motorcarinsuranceuk.co.uk/post-code-rat...

B90 is B which is almost as good as it gets, you tried money supermarket?

Sorry just noticed the Money supermarket part of your post. Probably ridiculous because there are so many Golf R's driven by 12 year old looking little fks who drive as if they don't have insurance around Bradford. Not much you can do about that, apparently public flogging is frowned upon these days.

[Grenoble]

Try these brokers:

https://www.hertsinsurance.com/othervw.php
http://www.saffroninsurance.co.uk/

[fireturk]

I can vouch for saffron insurance, have used them for the past 20years or so, very helpful.

[M159V8]

Try http://www.ingenie.com/

They'll monitor the fk out of your driving but at least you'll be able to get behind the wheel.

[DanielSan]

Green light insurance are worth a try.

[va1o]

Tried Admiral (and Elephant etc) directly? I'm quite young and I've always found them to be the cheapest for me on any car. One of my friends who's 22 has a V8 Jaguar XJR and he's only paying about £1500 per annum insurance on that.

Edited by va1o on Tuesday 28th May 19:01

[russy01]

I would have thought admiral or elephant would have sorted you out.

But it's fair enough, there has to be some limits of what you youngsters can drive!!

[AH33]

definately worth trying elephant, i had an mr2 turbo at 19 for 1500, currently paying around 400 f/c on my CLK

[DubZeus]

Brentacre, been with them years real good service

[rallycross]

It's hardly a surprise is it? there is a very good reason why it's such a High quote as a 19 yr old male driving your 'brothers' car you are almost guaranteed to crash it!

Get a white 1.9 tdi and paint the roof black and put some big alloys on it, de-badge it and tell your mates it really is a Golf R.

[rtbpfd]

rallycross said:

It's hardly a surprise is it? there is a very good reason why it's such a High quote as a 19 yr old male driving your 'brothers' car you are almost guaranteed to crash it!

Get a white 1.9 tdi and paint the roof black and put some big alloys on it, de-badge it and tell your mates it really is a Golf R.

So is it all about the looks/appeal of the car and what other people think?
I would prefer to have a plain looking car that is fun to drive.
Isn't it about what it's like when you're inside it and not when people are looking at it?

[omgus]

The other brokers that have been mentioned on here already, and APlan Thatcham. It might also be better to have it as a second car and use a runaround for most of your miles.

[rtbpfd]

Just get a Q7

[otolith]

£7500 sounds about right to me.

[vz-r_dave]

rallycross said:

It's hardly a surprise is it? there is a very good reason why it's such a High quote as a 19 yr old male driving your 'brothers' car you are almost guaranteed to crash it!

Get a white 1.9 tdi and paint the roof black and put some big alloys on it, de-badge it and tell your mates it really is a Golf R.

Harsh but true, if I had the power of a Gold R at 19 I would have crashed it.

[Mymk5zs123]

otolith said:

£7500 sounds about right to me.

And me.