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

  1. #1
    Sheikh's Avatar
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    S3, 19 years old with 2 years ncb... is insurance possible?

    With the sun out, and the uni year and my 100 miles daily commute nearly over. I'm craving an S3 for summer.

    Problem is finding insurance on an 8P in near impossible! I can get insured relatively easily on a Cupra R but for some reason most companies will not touch me on an S3.

    Any young drivers here got any experience of owning an S3?
    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

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  3. #2
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    had my S3 09 at 20 years old about £1400 with 2 years NCB I think.

    22 now. new s3. £914.

    expensive business!!

    Worth squeeze though. especially if you start modding. Go DSG if I were you. My first S3 was manual. new one is DSG. it's far better.
    KrAzY K likes this.
    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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    I think you'll struggle, and if you do find anyone to insure you it'll be horrendously expensive. Not sure NCB will make much of a difference, they usually just see your age and run away screaming. I think you'd be best trying getting some conditions (like 6000k miles a year, max voluntary excess, pay lump sum etc) to help, maybe there's some sort of site sponsor that can offer a discount?
    Hunt is over

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    Quote Originally Posted by mjr901 View Post
    had my S3 09 at 20 years old about £1400 with 2 years NCB I think.

    22 now. new s3. £914.

    expensive business!!

    Worth squeeze though. especially if you start modding. Go DSG if I were you. My first S3 was manual. new one is DSG. it's far better.
    Who was that with mate?
    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

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    Quote Originally Posted by Sheikh View Post
    Who was that with mate?
    Admiral. took a bit of time getting it as low as I could go. playing companies against each other etc. worked out well in the end. Just be extra friendly on the phone


    My insurance history with 8p's has been:

    58 plate A3 170 TDI 6k on clock. £2,050 I was 18. 1 year no claim.

    09 plate S3 14k on clock, £1,400 ish 2 years no claim.

    61 plate S3 69 miles on clock, £914 3 years no claim.

    All admiral.
    KrAzY K likes this.
    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,
    340bhp Mikes Ibis BE 2012 S3...

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    Sheikh's Avatar
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    Admiral is who I tried, the won't even quote me on an S3 And they want about £3k on a Mk2 Cupra. That with me as a main driver and my dad and aunty as named, both over 50 with clean licences.

    Do you reckon i'll have more luck phoning them?
    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

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    Quote Originally Posted by Sheikh View Post
    With the sun out, and the uni year and my 100 miles daily commute nearly over. I'm craving an S3 for summer.Problem is finding insurance on an 8P in near impossible! I can get insured relatively easily on a Cupra R but for some reason most companies will not touch me on an S3.Any young drivers here got any experience of owning an S3?
    As problems go that isn't a bad one to have to deal with! When I was 19 I was running around in a 1.3 Toyota Corolla with 170k on the clock, not that I'm bitter or anything My only tip would be to add somebody older as a named driver on your policy since in my experience that always knocked a chunk off the premium (no idea why!).I think whatever you do you are gonna get stung with an insane premium to start with, your only chance is to avoid wrapping it round a tree and try to build up some no claims discount!
    Brodster likes this.

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    I was getting cheap quotes on s3's at 20 when I was looking but my mega comute meant it wasn't feesible on the fuel.

    They were less than 1k from admiral etc.

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    Quote Originally Posted by Adam. View Post
    I was getting cheap quotes on s3's at 20 when I was looking but my mega comute meant it wasn't feesible on the fuel.

    They were less than 1k from admiral etc.
    How long ago was that?
    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

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    Funnily enough when I was just about to renew by 09 plate last month or 1 before. can't remember they quoted me something like £1390 or something.

    I phoned them up saying, probably going to change my car. gave them details of new S3. essentially same car right??? they said its going to be less?

    So my new S3. it's a black edition. spec is better. costs 32k when the old was worth 20k ish, costs less to insure than my 3 year old 09 plate S3.

    crackers. he said less DSG 's have been stolen or written off or something. still crackers in my book.
    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,
    340bhp Mikes Ibis BE 2012 S3...

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    I also think your address and the local crime rate really affects the price too. I live in the countryside. think the only crimes committed around where I live is me...31mph in a 30 zone.
    KrAzY K likes this.
    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,
    340bhp Mikes Ibis BE 2012 S3...

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    Quote Originally Posted by Sheikh View Post
    Admiral is who I tried, the won't even quote me on an S3 And they want about £3k on a Mk2 Cupra. That with me as a main driver and my dad and aunty as named, both over 50 with clean licences.

    Do you reckon i'll have more luck phoning them?
    Phone them for sure. ive improved every time by doing so. crackers not to haggle them down. there is ALWAYS room for movement. just hope you find a nice chatty girl at the other end of the phone. work your magic!
    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,
    340bhp Mikes Ibis BE 2012 S3...

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    I had the best sounding girl from Leeds last time. Just play nicely.
    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,
    340bhp Mikes Ibis BE 2012 S3...

  15. #14
    Maz
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    When I was 19 I had a bus pass.

    ...best thing to do is limit your mileage to 5k/6k a year add a few named drivers, older females ones are better for lowering the quote and maybe opt for a 10 month policy to save a few bob and build no claims bonus quicker.
    SCFC_Messiah likes this.


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    If you won't pay the insurance, you don't deserve to own the car.

    When I was 17 I was paying over £120 a week to drive a BMW 850IL V12, did I complain? No...Because I was pimp as ****.
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    Who said i'm complaining about it? I'm simply trying to get insured for a reasonable price. Is that too much to ask.
    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. #17
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    Quote Originally Posted by Sheikh View Post
    Who said i'm complaining about it? I'm simply trying to get insured for a reasonable price. Is that too much to ask.
    If you don't ask you dont get. too right.

    Just go on all comparison websites. get best quote. haggle them down to a quote lower than a previous quote on a different comparison website. ring the next one up and say beat this. then just keep going until you reach a wall.

    all the best mate.
    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,
    340bhp Mikes Ibis BE 2012 S3...

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    Quote Originally Posted by Sheikh View Post
    How long ago was that?


    Less than a year ago.



    Quote Originally Posted by mjr901 View Post
    Funnily enough when I was just about to renew by 09 plate last month or 1 before. can't remember they quoted me something like £1390 or something. I phoned them up saying, probably going to change my car. gave them details of new S3. essentially same car right??? they said its going to be less? So my new S3. it's a black edition. spec is better. costs 32k when the old was worth 20k ish, costs less to insure than my 3 year old 09 plate S3. crackers. he said less DSG 's have been stolen or written off or something. still crackers in my book.


    Black Editions seem to be classed as a different car and have less crash statistics against them therefore making them cheaper.



    My old man's 140 S-tronic S-Line cost me £700 to insure at 20 but my 170 S-tronic Black Edition only cost £400ish......

  20. #19
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    You guys have to let me in on the secret! £400!!
    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

  21. #20
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    trouble is a black edition will set you back a bit more in the first place....so it's catch 22 really. pay more to begin with then pay less. or pay less then pay more.... hmmmmmmm
    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,
    340bhp Mikes Ibis BE 2012 S3...

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    anything is possible with enough wonga.

    i just got a quote on confused, but put my details as your (19, 2years license and NCB) on a 12grand 2007 S3 and it came back £6325.77 fully comp with an excess of £1600

    sometimes you gotta draw the line and think, is it really worth all that money just to be legaly covered to drive this?

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    Sheikh's Avatar
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    Lol i would never pay that much for insurance. I'm paying £1800 on my TDi and that's tooo much!
    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

  24. #23
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    Ive never found insurance to be too much of a problem.

    Im 22 with 4 years NCD, 6 points and paying £600 on my 2.0TFSI, an S3 was quoted at £850.

    Adding my Mum and Sister as named drivers dropped it by half
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    Quote Originally Posted by Sheikh View Post
    You guys have to let me in on the secret! £400!!
    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!
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    Someone give me a random 'Nice' postcode so i can run a few quotes please
    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

  27. #26
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    Are you young drivers with new S3s bankers??...

  28. #27
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    Anyone can buy an expensive car these days... the wonders of PCP.
    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

  29. #28
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    To every single person that disliked my post, haha you all suck.

    My point stands, if you cannot afford the insurance you cannot afford the car. Sell up and buy a Vauxhall Corsa if you want to save money, owning an Audi isn't cheap.

    Insurance is calculated on risks, if you are a high risk your insurance will be higher. Simples, quit moaning about it and crack on with it.
    Last edited by 16Klappe; 24th March 2012 at 20:46.
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    Quote Originally Posted by 16Klappe View Post
    To every single person that disliked my post, haha you all suck.

    My point stands, if you cannot afford the insurance you cannot afford the car. Sell up and buy a Vauxhall Corsa if you want to save money, owning an Audi isn't cheap.

    Insurance is calculated on risks, if you are a high risk your insurance will be higher. Simples, quit moaning about it and crack on with it.
    No need Jardo

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    Quote Originally Posted by voorhees View Post
    No need Jardo
    If you say so Jase, just seems stupid. If you can afford an 8P S3 at the age of 19 then insurance shouldn't be a problem. And shouldn't need it's own thread to tell everybody how upset you are about the costs.

    It's 19 year olds who go out and buy fast cars and smash them up that make my insurance so high, hence the grumpyness.

    I'm out of this thread now, the 8P section and I clearly have different views.
    I quite often say I'm going to do things.

    Then never do them.

  32. #31
    voorhees's Avatar
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    I would like to think that the forum would help members save lining the pockets of insurance companies whether they are loaded or not.

    PS When I was 19 a bus pass was all I could afford but such is life.

  33. #32
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    Quote Originally Posted by voorhees View Post
    I would like to think that the forum would help members save lining the pockets of insurance companies whether they are loaded or not.

    PS When I was 19 a bus pass was all I could afford but such is life.
    I was lucky then with a mk2 escort.......mum and dad paid the insurance bless them & RIP

  34. #33
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    had my s3 at 19, im 21 now. Was £1200 the 1st year, £900 2nd year, just coming up for renewal now and its £605.
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  35. #34
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    Quote Originally Posted by mjr901 View Post
    trouble is a black edition will set you back a bit more in the first place....so it's catch 22 really. pay more to begin with then pay less. or pay less then pay more.... hmmmmmmm
    Residual on a Black Edition was slightly more so it evens its self out.

    Quote Originally Posted by Sheikh View Post
    You guys have to let me in on the secret! £400!!
    What is your job title?

    Quote Originally Posted by Sheikh View Post
    Anyone can buy an expensive car these days... the wonders of PCP.
    PCP = not shelling out all the money upfront on a depreciating asset. I find that more mental than financing a car but each to their own.

    Quote Originally Posted by 16Klappe View Post
    To every single person that disliked my post, haha you all suck.

    My point stands, if you cannot afford the insurance you cannot afford the car. Sell up and buy a Vauxhall Corsa if you want to save money, owning an Audi isn't cheap.

    Insurance is calculated on risks, if you are a high risk your insurance will be higher. Simples, quit moaning about it and crack on with it.
    Owning a brand new Black Edition hactually worked out a better deal for my than running a Corsa.

  36. #35
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    Quote Originally Posted by voorhees View Post
    I would like to think that the forum would help members save lining the pockets of insurance companies whether they are loaded or not.

    PS When I was 19 a bus pass was all I could afford but such is life.
    I had a 8l s3, turned 21 and got a 8p s3.

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    Quote Originally Posted by Adam. View Post
    PCP = not shelling out all the money upfront on a depreciating asset. I find that more mental than financing a car but each to their own.
    Quite, seems madness to me. It's just another way of leasing the car but without the leasing benefits, it isn't even the drivers until the balloon is payed off.
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    Quote Originally Posted by Dandle View Post
    Quite, seems madness to me. It's just another way of leasing the car but without the leasing benefits, it isn't even the drivers until the balloon is payed off.
    PCP is about the same as just renting a car, except your usually liable for most of the running and maintenance costs.

    I just paid cash for mine, no repayments to worry about.
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  39. #38
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    My renewal is up next month for my s3 next month, I'm 21 and have 2ncb and it's coming through at 830 with elephant which isn't bad, when I had my old a3 2.0T s line when I was 19 no Ncb it was 2400 but was getting quotes for s3's for around 2800 with admiral.
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  40. #39
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    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.
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    Planned Mods: Revo Stg1+ with DSG map, Revo CAI, custom exhaust, H&R Trax spacers, EM Tuning LED interior lights, R8 oil cap, Porsche coolant & brake fluid cap

  41. #40
    16Klappe's Avatar
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    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?
    I quite often say I'm going to do things.

    Then never do them.

 

 
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