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Thread: S3, 19 years old with 2 years ncb... is insurance possible?

  1. #41
    willowsdad's Avatar
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    Quote Originally Posted by 16Klappe View Post
    Your lack of knowledge on PCP is hilarious. You have clearly had some ****e salesmen who haven't explained the concept at all.

    Guess what I do for a living?
    Im guessing anger management?
    Only joking. But seen as this forum is all about passing on your knowledge, why not break it down and simplify it for the masses. Before someone spends there hard earned cash and doesn't realize what they're signing up to.

    A3 3.2 Quattro Sport

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  3. #42
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    Quote Originally Posted by audicruiser View Post
    Simple... Move!

    Surrey is a high crime / risk area. If you look at the other people who have replied to this thread and got insurance they live in Glasgow and Worcestershire! I have never had much trouble with insurance either when I was in my 20's but I live near Bath in Somerset so again not a high crime area.

    It's not the car, it's more where you live!
    Sorry mate but on the insurance risk list Surrey is good. I live in Surrey in a town. I am the lowest risk post code there is , band d is it ? and pay £385 full comp with declared stg1 revo on a brand new car. I'm with Aviva.
    Admiral are fine but not if you want to remap or make a claim.

    It has nothing to do with area or car TBH its just you are given a quote by computer and you need to fight it out with a broker. I was with admiral with just 2 months to run on my 3.2 insurance and i wanted to change to S3. They wouldn't even quote me !! eventually i got a quote of £1100 from them, i switched to Audis' own insurance for the remaining 2 months then tried everyone again...Admiral now said £475 !!.

    I recently bought a new van. As its a commercial vehicle i had to start with Zero NCB again. Compare the market best quote was £4407 !!! After getting Aviva to ask their broker direct to asses the risk they can back with £480 in 1 years NVB complementary.....

    You just need to take the time to speak to a broker and not the monkeys on the cheap insurance hotlines.
    Ibis white Revo S3 and now matching Vivaro LWB HR 2900 :-)

    Many people are alive because its illegal to shoot them.

  4. #43
    paddy's Avatar
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    Quote Originally Posted by warren_S3 View Post
    Jeez, how he world changes. I didn't have my own car at 19, ended up seeing an older girl at Uni who had a car as I hadn't been able to save up for one by then.

    Every time I turn on the news it says how new drivers can't afford insurance, but every time I speak to someone under 25 they have an half decent Audi, Beemer, Mini or Focus RS!

    First decent car I got was at 30 (when I left higher education I got turfed out of home) so never had a chance to get any money together before getting my own place.
    Fact is Warren, every generation thinks it has it tough but its always been the same.. when i was 20 i bought an MGB, i had a years no claims , people under 20 didn't even own or expect to own cars in the late 70s and early 80s. You had a moped at 16, a 250cc bike at 17 and a 3 wheeler on a motorcycle licence after that.
    My insurance for the MGB was nearly £500, well over £2k today...and an MGB was only a Morris Marina underneath.
    Every generation thinks they have a bad deal. 50 years ago my dad couldn't afford a car until he was 30 and we didn't have a TV until he had 4 kids and better job. 60 years ago most people were in council housing or tied housing/rented. Getting a mortgage was more difficult than it is toady in fact even getting a bank account was not easy. It all goes round and round
    Ibis white Revo S3 and now matching Vivaro LWB HR 2900 :-)

    Many people are alive because its illegal to shoot them.

  5. #44
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    Quote Originally Posted by 16Klappe View Post
    Your lack of knowledge on PCP is hilarious. You have clearly had some ****e salesmen who haven't explained the concept at all.

    Guess what I do for a living?
    Who was that aimed at?

  6. #45
    paddy's Avatar
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    Quote Originally Posted by Sheikh View Post
    Someone give me a random 'Nice' postcode so i can run a few quotes please
    Where in Surrey are you ? I.m near Guildford and the lowest post code area their is ?

    this is the post code list they use

    Car Insurance Postcode Groups - Postcode as rated by Car Insurers
    Last edited by paddy; 25th March 2012 at 12:30.
    Ibis white Revo S3 and now matching Vivaro LWB HR 2900 :-)

    Many people are alive because its illegal to shoot them.

  7. #46
    Sheikh's Avatar
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    Same! I'm in Woking but my postcode is still GU
    55' BMW 330Cd M Sport
    The ones that have been left behind:
    • 2004 VW Golf R32
    • 2004 Audi A3 2.0 TDi Sport
    • 2000 BMW 318i M Sport
    Private plate for sale: Y 7RYY

  8. #47
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    you might be interested to know the New cupra R 09-- is insurance group 36 the same as a S3 so they are messing you about.
    Ibis white Revo S3 and now matching Vivaro LWB HR 2900 :-)

    Many people are alive because its illegal to shoot them.

  9. #48
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    Insurance group 36 I thought an s3 was group 18?
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  10. #49
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    Thats the new style of insurance groups, they now go from 1-50 i think.
    55' BMW 330Cd M Sport
    The ones that have been left behind:
    • 2004 VW Golf R32
    • 2004 Audi A3 2.0 TDi Sport
    • 2000 BMW 318i M Sport
    Private plate for sale: Y 7RYY

  11. #50
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    Yeah I noticed that, when I saw the rs3 was group 42 completely confused me
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  12. #51
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    Insurance group is just a guide from an independent body, not a strict rule for pricing insurance. They price insurance more specifically than just using the insurance group (value of the car, for example) so you can get a range of prices within a group, and cars in different groups can end up the same price to insure.
    Hunt is over

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  13. #52
    Sheikh's Avatar
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    I found insuring a more expensive car was far cheaper than insuring a cheapy old banger
    55' BMW 330Cd M Sport
    The ones that have been left behind:
    • 2004 VW Golf R32
    • 2004 Audi A3 2.0 TDi Sport
    • 2000 BMW 318i M Sport
    Private plate for sale: Y 7RYY

  14. #53
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    Try Adrian Flux for young driver insurance, they specialise in young driver high performance...
    A3 Sportback 2.0 TFSI S-Line Quattro Stage 1 Tune it up - Lowestoft Custom Remap- 6187 RPM developing 260 bhp 279lbs ft Akoya Silver, Roof rails, Black heated Vienna Leather, Bose upgrade, Bluetooth

  15. #54
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    Lol tried Adrian flux, got quoted 22000 on a 2litre tdi
    Sheikh likes this.
    All Black Everything
    Looking For Some 18" Speedlines
    Or some BBS CH's (Black) or CK's (Anthracite)

  16. #55
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    i don't miss those days of paying stupid amounts for insurance been there done that lol , i think i was paying £3000 ish for my old escort RS turbo at 22 but every mod had been disclosed because i spent so much money on her and was on a like for like deal with a specialist insurance company , nowadays i pay £450 for my audi but i expect it to be cheap nowadays I'm a old b**tard now 31 lol
    ​She is back on the road yay!!

  17. #56
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    Might have to be a cupra lads, one went booting past me earlier and the sound that thing made was phenomenal!
    Odhran likes this.
    55' BMW 330Cd M Sport
    The ones that have been left behind:
    • 2004 VW Golf R32
    • 2004 Audi A3 2.0 TDi Sport
    • 2000 BMW 318i M Sport
    Private plate for sale: Y 7RYY

  18. #57
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    Did it sound this good?

    Hunt is over

    1st Audi - 2001 Ming Blue 8L S3 210
    2nd Audi - 2008 Black 8P2 S3 3dr
    and now - 2007 Daytona Grey B7 RS4 saloon

  19. #58
    Sheikh's Avatar
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    Why would you do that to me! That sounds unreal. FFS.
    55' BMW 330Cd M Sport
    The ones that have been left behind:
    • 2004 VW Golf R32
    • 2004 Audi A3 2.0 TDi Sport
    • 2000 BMW 318i M Sport
    Private plate for sale: Y 7RYY

  20. #59
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    I find the 4 pot turbos sound a tad boring LOL...

    Its all TICK TICK TICK TICK

    WOOSH WOOSH WOOSH

    (Dont get me wrong i love them though)
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  21. #60
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    55' BMW 330Cd M Sport
    The ones that have been left behind:
    • 2004 VW Golf R32
    • 2004 Audi A3 2.0 TDi Sport
    • 2000 BMW 318i M Sport
    Private plate for sale: Y 7RYY

  22. #61
    Sheikh's Avatar
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    55' BMW 330Cd M Sport
    The ones that have been left behind:
    • 2004 VW Golf R32
    • 2004 Audi A3 2.0 TDi Sport
    • 2000 BMW 318i M Sport
    Private plate for sale: Y 7RYY

  23. #62
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    The cupra looks nice until you get inside the damn thing! I don't know what's worse? That or the saabs interior! It's hideous
    All Black Everything
    Looking For Some 18" Speedlines
    Or some BBS CH's (Black) or CK's (Anthracite)

  24. #63
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    I remember reading somewhere about a black box of tricks (yeah I know, really helpfully) that monitors your driving, presumably speeds, actual millage, times of day your driving & that kind of thing, some companies will give you a discount for having it fitted - obviously there's the downside - having a prang @ 31mph in a 30 would probably mean no pay out!

  25. #64
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    All Black Everything
    Looking For Some 18" Speedlines
    Or some BBS CH's (Black) or CK's (Anthracite)

  26. #65
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    If you've done a quote with 2 older named drivers, you're probably within about 20% of your lowest possible price tbh. It's possible to haggle them down if you've got a second company with a not-far-off quote, but you'll only get so much off with that.

    The area you live makes a massive difference - I live in a category B area, with relatively low car crime and accident rates, and mine is about £1,000 at 22 on a new A3 170TDI BE. If I put in a Bradford/Salford postcode, I get £8,000+ or just plain "no quote available"... the area makes a huge difference. Age seems to make a difference, sometimes moreso than NCB - although obviously the two often come hand in hand, so it's hard to compare sometimes. £1000 is a fair chunk of cash, but I just figure it in with my fuel costs (another £1600 or so a year, I think, with 10k miles [10000miles / 45mpg * 4.5 litres/gallon * 1.6 £/litre]) and then add general tyres/servicing/cleaning products/bulbs and other expenses on top.

    I've not tried with an S3, I might run a quote through out of curiosity sometime - I don't do enough driving on the right kinds of roads for the S3, so an 170TDI has plenty of power for my needs and I get to save a few quid on fuel.

    Does it have to be an S3, or could you live with a 2.0T S-Line/Black Edition? If so, try some quotes with that. Also, stick in a lower risk postcode (LA1 4DX if you want to try one I happen to know is pretty low-risk) and see how that comes out. If it's about the same, there's not a lot you can do. If it's significantly lower, it's your location being the problem.
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    Wow am 20 and am getting quotes like £1600. Buh am i would be more than happen to pay anything under £1200. yeah.. i love the stronic too.

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    Hi Mjr901

    I quotes from admiral buh they say they gna install a tracking box in the car. did they do that to you?

  29. #68
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    Quote Originally Posted by 16Klappe View Post
    Your lack of knowledge on PCP is hilarious. You have clearly had some ****e salesmen who haven't explained the concept at all.

    Guess what I do for a living?
    Diplomatic Corps?????
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  30. #69
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    Quote Originally Posted by Brodster View Post
    Diplomatic Corps?????

    Nothing diplomatic about me! A spade is a spade; it makes entertaining reading though.
    I quite often say I'm going to do things.

    Then never do them.

  31. #70
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    Quote Originally Posted by K.A View Post
    Hi Mjr901

    I quotes from admiral buh they say they gna install a tracking box in the car. did they do that to you?
    Hell no, I dred to think what they'd say if they saw how I drove!! they'd probably come and see if the box was faulty or something and giving silly readings!!!
    2012 Ibis Black Edition S-tronic S3, 3 Door, Shark Stage 2, MTC Intake Kit, Powerflex Fast Road Dogbone Mount, Full Non Res Milltek Exhaust, Forge Development Intercooler + DV system,
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  32. #71
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    Quote Originally Posted by 16Klappe View Post
    Nothing diplomatic about me! A spade is a spade; it makes entertaining reading though.
    Here here..........no beating aaround the bush..........tell it as it is. Too many namby pamby folk in this world now being politically correct so they don't upset Joe Bloggs. Bet you think Boris Johnson would make a good PM........I certainly do.
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  33. #72
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    Seems the S3 is cheap to insure
    My son insured his VW T5 van for the first year at 19 and it cost him £3100 (including business mileage)
    Second year £2300
    This year's quote £1080.
    S3 sounds cheap to me :-)
    MikeM

    My other ride - "Discus" Glider -164mph and @ 1 mile high will glide for 43 miles. No turbo, in fact no engine

 

 
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