Insurance = What Car?

[Zoki]

Last year I paid £1300 for insurance on my Focus with all mods declared, this included the adjustable coilovers, which were most expensive to add. This was done through Bell, out of curiosity I checked a quote for the car being standard and it was £900. Now I thought next year will go down and I can get a nice car, so put all the standards bits back on focus,put it up for sale and told Bell etc. Renewal came through, £1900 for the car standard!!!

SO to compare:
Last Year: 22 Years Old, 2 Years NCB, 1 SP30, NW8 Postcode, Car Garaged = £1300 with Mods, £900 No Mods
This Year: 23 Years Old, 3 Years NCB, 1 SP30, NW8 Postcode, Car Garaged = £2100 with Mods, £1900 No Mods

WTF?? I know some people's insurance quote went up but WTF??

I was thinking of getting a BMW 330ci or Mazda 3 MPS, but well that's gone out the window. Obviously I'm going to phone around but still.

Any ideas on nice cars I can actually insure without paying over £1.5k, budget is £10k, I'm quite tall so I'm not sure sure about smaller cars. God I hate insurance.

[Deluded]

Try a different company?

[Chris71]

Hi Zoki,

How much have you shopped around? Might be worth trying Compare The Meerkat or something. That Focus was a bit of a Q-car with the mods, it'd be a shame if you weren't shaddowing TVR drivers on the twisties again.

[plenty]

Worth a morning ringing around if you haven't done so already: Mod-friendly insurers include A-Plan (Thatcham branch), Aon/Footman James, Chris Knott, Adrian Flux, HIC, Performance Direct and Richard Egger.

[Zoki]

Few Quotes after shopping round:
2.0 Focus = £1200
330ci = £2400
Mazda 3 MPS = ????
2.0 T A3 = £2500
Focus ST 2.5 = ????
Ibiza Bocanegra 1.4 TSI 180 = £2200
BMW 120d = £2700 ?? WTF

I then ran out of ideas and began to cry. 3 Years driving around a 2.0 Focus wasted because I still can't insure f all.

[Deluded]

I imaging that the fact you live in London makes a huge difference. When I moved up to stoke at the age of 21 with 2 years no claims, my insurance went from £1200 on a Bravo HGT to £700.

[richcorsavxr]

admiral always are good with me, best to try moneysupermarket or something..... my corsa vxr is £1000 to insure with 1ncb at 22 years old

[vrsocty]

Try brentacre in Swansea. There brokers but have been really good for me. Octavia vrs with mods and protected no claims in a de7 postcode £434

[t84]

I have the same problem, rang a stload of companies but I'm still 25 with 1NCB insuring a 1.8 Focus for £1100.

TPFT.

[G_T]

I know what I'd do as a gambling man with little sense of social responsibility...

Someone like Soovy will bk me if I say it though.

[seismic22]

i live in bristol, BS7 am 22 years old, one years no claim, six points on the licence and can insure a focus 2.0 for approx £900, move that to cirecester where im soon to be living and that drops to about £650! postcode makes all the difference.

Also if i didnt put both my parents as named drivers on my policy, the premium would almost double! Worth a go if you havnt already done that.

[Zoki]

Deluded said:

I imaging that the fact you live in London makes a huge difference. When I moved up to stoke at the age of 21 with 2 years no claims, my insurance went from £1200 on a Bravo HGT to £700.

You right, I tried my friends postcode in Staines, everything dropped 50%. This sucks. Anyone got £250k so I can buy a house outside of London!

[Ecurie Ecosse]

Have you tried Admiral? They've always been quite cheap when I've been seeking quotes for interesting cars.

[The Riddler]

I'm 24, No NCB Audi A4 1.8T (With a few mods) - Getting raped for £1300 at the moment. Thats on a limited mileage social and domestic only policy as I work from home.

Add to that, I'm with admiral also.

Edited by The Riddler on Thursday 8th April 18:22

[TheRoadWarrior]

Wow, realised london was expensive for houses, eating out etc but I didnt know car insurance was so much more expensive!

[amir_j]

Zoki said:

Last year I paid £1300 for insurance on my Focus with all mods declared, this included the adjustable coilovers, which were most expensive to add. This was done through Bell, out of curiosity I checked a quote for the car being standard and it was £900. Now I thought next year will go down and I can get a nice car, so put all the standards bits back on focus,put it up for sale and told Bell etc. Renewal came through, £1900 for the car standard!!!

SO to compare:
Last Year: 22 Years Old, 2 Years NCB, 1 SP30, NW8 Postcode, Car Garaged = £1300 with Mods, £900 No Mods
This Year: 23 Years Old, 3 Years NCB, 1 SP30, NW8 Postcode, Car Garaged = £2100 with Mods, £1900 No Mods

WTF?? I know some people's insurance quote went up but WTF??

I was thinking of getting a BMW 330ci or Mazda 3 MPS, but well that's gone out the window. Obviously I'm going to phone around but still.

Any ideas on nice cars I can actually insure without paying over £1.5k, budget is £10k, I'm quite tall so I'm not sure sure about smaller cars. God I hate insurance.

1) Add a second driver, ideally female. quote will go down
2) Had the same dilemma and decided the nicest (but non-ph) car I could find which I liked at low insurance for £10k was a Audi A3 1.9 or 2.0 diesal sport/s line.

[Zoki]

TheRoadWarrior said:

Wow, realised london was expensive for houses, eating out etc but I didnt know car insurance was so much more expensive!

I know, it's taking the mick. Anyway not sure what to do, my heart is saying get a 330ci anyway but my head is saying that to pay over £2k a year on insurance is absurd. Will have a look around to find someone who can maybe insure me on a 330ci for £1500 atleast.

[Jonboy_t]

Chris71 said:

Compare The Meerkat

My anseztorrs deed not go through all of zis, just so you could get zum cheep dealz on car insurrrance. For heroic Meercat, try comparethemeerkat.com, for cheep car eeeeensurance, go to comparethemarket.com. Simples

[Zoki]

I think I've decided to go with a Seat Ibiza FR 1.4 TSI 150

150bhp 220nm 0-60 7.4 44mpg 1167kg and more importantly I can insure it.

[GTstar]

Admiral was £300 (£870 total with 3 years no claims) cheaper than any other for a group 17 car and I'm 25