GOLF R INSURANCE
Discussion
Hello, i’m coming 20 have 2 years no claims and live in leicester LE2, a full time job as an electrician, 10,000 miles a year on the car parked outside on public street, i’m finding it in possible to get a decent quote i’m happy paying something like £4000 but most companies have turned me down completely and when i have got a quote it has been mega expensive, i got quoted £22,000 from adrian flux and brentacre declined me all together
The Golf R is unfortunately among the highest-risk cars to insure, and being 19 you'll be seen statistically as high-risk by insurance companies. Parking on street isn't good either, the R is the top pick for criminals to take and use for other crimes, with its 4wd, lots of power, four doors and decent boot it's perfect for the odd robbery.
It's not just you, back in the 90s Jeremy Clarkson reported being quoted £25,000 a year to insure an Escort Cosworth - the Golf R is the modern equivalent.
Basically, your best bet is to buy something else. Even a 'sportier' car like a Cayman or something is probably cheaper to insure as they're less practical for robberies.
I'm in about the same area too, and I'm surprised to read this. I never thought of the Golf R drivers around here as being the type who'd have insurance 
But seriously, I just did a quick quote, and even at over twice your age, couple of decades of no claims, car not parked on the street etc, I'm still seeing quotes of about a grand, which is much higher than I see on pretty much anything else.
I'm afraid I think the other posters probably have the right of it, this combination of car, owner, and circumstances is borderline radioactive from an insurer's point of view.
But seriously, I just did a quick quote, and even at over twice your age, couple of decades of no claims, car not parked on the street etc, I'm still seeing quotes of about a grand, which is much higher than I see on pretty much anything else.
I'm afraid I think the other posters probably have the right of it, this combination of car, owner, and circumstances is borderline radioactive from an insurer's point of view.
cjw6788 said:
Hello, i’m coming 20 have 2 years no claims and live in leicester LE2, a full time job as an electrician, 10,000 miles a year on the car parked outside on public street, i’m finding it in possible to get a decent quote i’m happy paying something like £4000 but most companies have turned me down completely and when i have got a quote it has been mega expensive, i got quoted £22,000 from adrian flux and brentacre declined me all together
Not surprising. A Golf R is reasonably quick, often driven by complete d
heads and quite popular with thieves.
cjw6788 said:
Hello, i’m coming 20 have 2 years no claims and live in leicester LE2, a full time job as an electrician, 10,000 miles a year on the car parked outside on public street, i’m finding it in possible to get a decent quote i’m happy paying something like £4000 but most companies have turned me down completely and when i have got a quote it has been mega expensive, i got quoted £22,000 from adrian flux and brentacre declined me all together
My advice is to be 40, have 20 years no claims, live in rural Somerset, and keep your car garaged overnight. Should be cheaper then. This is literally the perfect storm in insurance.
Young, inexperienced driver
Fast car
Bad postcode
Very high theft risk.
You can't make yourself older. And its fairly hard to move to a better postcode. So that leaves changing the car. Either go for a slower golf, or conversely, ditch the golf and get a 997 911, which personally, i reckon will be easier to insure in your circumstances.
Young, inexperienced driver
Fast car
Bad postcode
Very high theft risk.
You can't make yourself older. And its fairly hard to move to a better postcode. So that leaves changing the car. Either go for a slower golf, or conversely, ditch the golf and get a 997 911, which personally, i reckon will be easier to insure in your circumstances.
brillomaster said:
This is literally the perfect storm in insurance.
Young, inexperienced driver
Fast car
Bad postcode
Very high theft risk.
You can't make yourself older. And its fairly hard to move to a better postcode. So that leaves changing the car. Either go for a slower golf, or conversely, ditch the golf and get a 997 911, which personally, i reckon will be easier to insure in your circumstances.
The slower golf is good advice - a 997 won’t change the first 3 circumstances. Young, inexperienced driver
Fast car
Bad postcode
Very high theft risk.
You can't make yourself older. And its fairly hard to move to a better postcode. So that leaves changing the car. Either go for a slower golf, or conversely, ditch the golf and get a 997 911, which personally, i reckon will be easier to insure in your circumstances.
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