Facelift Insurance increase with FL

Adam Miles

Adam Miles

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So I'm having a bit of a frustrating experience getting decent quotes on insurance for the FL S3.
I've got a friend with the pre-FL model and was initially using his reg for quotes, turns out that the difference in quotes between that and the new one is £700?! That's £70 per extra horse which just seems ridiculous and I've had no luck convincing insurers and underwriters otherwise.
I'm 22 with 3 years ncb and on the old model was getting quotes of £1500 or £150 p/m, but the FL at £2200 or £220 p/m.

Any advice? I know the new model is in group 39 as opposed to 36 but that's still a huge difference between the two for a tiny amount of extra bhp.
 
Adam Miles said:
So I'm having a bit of a frustrating experience getting decent quotes on insurance for the FL S3.
I've got a friend with the pre-FL model and was initially using his reg for quotes, turns out that the difference in quotes between that and the new one is £700?! That's £70 per extra horse which just seems ridiculous and I've had no luck convincing insurers and underwriters otherwise.
I'm 22 with 3 years ncb and on the old model was getting quotes of £1500 or £150 p/m, but the FL at £2200 or £220 p/m.

Any advice? I know the new model is in group 39 as opposed to 36 but that's still a huge difference between the two for a tiny amount of extra bhp.
Click to expand...
My insurance dropped moving from my mk6 GTi to the FL S3. I was delighted but very surprised considering the drifference in performance and cost. I am nearly 40 so I am not paying anything like you are.
 
Adam Miles said:
So I'm having a bit of a frustrating experience getting decent quotes on insurance for the FL S3.
I've got a friend with the pre-FL model and was initially using his reg for quotes, turns out that the difference in quotes between that and the new one is £700?! That's £70 per extra horse which just seems ridiculous and I've had no luck convincing insurers and underwriters otherwise.
I'm 22 with 3 years ncb and on the old model was getting quotes of £1500 or £150 p/m, but the FL at £2200 or £220 p/m.

Any advice? I know the new model is in group 39 as opposed to 36 but that's still a huge difference between the two for a tiny amount of extra bhp.
Click to expand...

Pretty pointless comparing to a PFL isnt it? Cars value would be different. PFL would be lower value so therefore cheaper to insure. Plus the algorithms of PFL to FL could be squeed. For example if the PFL is a lower risk car by looking at car crashes/incidents. The FL might be newer but the % of incidents in a FL could be higher than a PFL. Therefore pushing the insurance premium higher. If that makes sense.

As BMB-77 stated above, GTI was more expensive than a S3 to insure despite power etc. My bet would be that more incidents occurred in a GTI than S3 therefore pushing up insurance premiums.
 
My annual premium only increased by £12 going from a 2015 TT S Line TDI to the facelift S3.
 
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Weirdly for me going from a 330D bmw 10 plate to 66 plate s3 saloon it cost me £2.50 extra for the yr. I feel your pain as a 22 yr old as i was there 6 yrs ago. Only starts to get noticeably better when youre 25 plus. What i did when i was that age was add my mum (who has a clean licence and has had it for many yrs) to the quote and it dropped £200. This may work for you. Any woman with driving experience and clean licence may help.

Sent from my SM-G935F using Tapatalk
 
Diggerz039 said:
Any woman with driving experience and clean licence may help.
Click to expand...
Yeah, adding my wife gets me cheaper insurance. But a wife is expensive.:haha:
 
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Ormesome said:
As BMB-77 stated above, GTI was more expensive than a S3 to insure despite power etc. My bet would be that more incidents occurred in a GTI than S3 therefore pushing up insurance premiums.
Click to expand...
The new GTI is cheaper to insure as it has collision avoidance fitted as standard making it group 26.

Male, 22, 3 years NCB + brand new Audi S3 @£35k = lucky they will quote you at all.
 
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Another member put a thread up a while back complaining of the same thing. Strange business is Insurance.
 
Wait a second... at 22, you can afford a £35k car, but not £220 for insurance?

What football team do you play for?
 
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Daz Auto said:
The new GTI is cheaper to insure as it has collision avoidance fitted as standard making it group 26.

Male, 22, 3 years NCB + brand new Audi S3 @£35k = lucky they will quote you at all.
Click to expand...

I'll be honest I'm not sure why they're quoting me either, the only cars I've had before are a Corsa and an A1 1.6 TDI, clearly nowhere near the power of the S3 but I won't complain!
 
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Daz Auto said:
Wait a second... at 22, you can afford a £35k car, but not £220 for insurance?

What football team do you play for?
Click to expand...

And of course it's on finance after handing back the A1. It's not that I can't afford the £220 I just couldn't understand where they were coming up with such a huge increase on the pre-FL model to the new one.
 
Ormesome said:
Pretty pointless comparing to a PFL isnt it? Cars value would be different. PFL would be lower value so therefore cheaper to insure. Plus the algorithms of PFL to FL could be squeed. For example if the PFL is a lower risk car by looking at car crashes/incidents. The FL might be newer but the % of incidents in a FL could be higher than a PFL. Therefore pushing the insurance premium higher. If that makes sense.

As BMB-77 stated above, GTI was more expensive than a S3 to insure despite power etc. My bet would be that more incidents occurred in a GTI than S3 therefore pushing up insurance premiums.
Click to expand...

I'd put into the calculator the same value for the cars, literally the only thing I changed was the model.

All I can think of is that they decided to increase the insurance group of the FL and that's what's caused the jump but it still seems an excessive leap to me.
 
£1200 for the year with 1 year NCD - I'm 25
 
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Holy Moses there's some nasty sounding numbers in here I dunno how you guys manage it. Brings a tear to a glass eye it does lol

Most I've ever paid is 500 quid and I was 21!! It was a pretty high insurance group car but I'll not embarrass myself by saying what it was in front of you young guns......:blink:
 
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You would think that @CarloS3 would get some kind of discount, after all the trouble he goes to putting it in the garage... :D
 
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Gordo77 said:
You would think that @CarloS3 would get some kind of discount, after all the trouble he goes to putting it in the garage... :D
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Haha too true!

When I first passed my test I had an old banger 1.4 golf and that cost me 2 grand for the year, so to insure a car like the S3 4 years later at almost half the price is actually not bad (in my head) as bad as that sounds!

Ps I'm persisting with the effort to garaging it each night, though my back is giving me jip every now and then :D
 
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Either way I'm stuck with £220 p/m and I'm picking it up Saturday. Can't wait to get rid of the A1 (pretty sure it's cursed) and I'll post up pictures when it arrives as I'm a newbie on here. Vegas yellow
 
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Adam Miles said:
Either way I'm stuck with £220 p/m and I'm picking it up Saturday. Can't wait to get rid of the A1 (pretty sure it's cursed) and I'll post up pictures when it arrives as I'm a newbie on here. Vegas yellow
Click to expand...

Don't forget to post a pic of the massive grin on your face after you put your foot down in sport for the 1st time
 
As3newbiE said:
Don't forget to post a pic of the massive grin on your face after you put your foot down in sport for the 1st time
Click to expand...

The two week wait I've had for this has felt longer than the 3 months for the A1. Christmas is definitely coming early and I can't wait to get those pops going.
 
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I've got a car coming on Tuesday.

Done an insurance quote on a preface lift as I ordered mine and it was 660. Done another quote laste night and cheapest was £1150!

Phoned this morning and got another quote for £770 , they really do need to make there mind up!
I'm 23 with 2 years NCB too
 
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Adam Miles said:
Either way I'm stuck with £220 p/m and I'm picking it up Saturday. Can't wait to get rid of the A1 (pretty sure it's cursed) and I'll post up pictures when it arrives as I'm a newbie on here. Vegas yellow
Click to expand...
wow £220 per month!!! that's almost 2/3rds of what I pay for the car. £272/year for the insurance last time.
 
Simon L said:
Holy Moses there's some nasty sounding numbers in here I dunno how you guys manage it. Brings a tear to a glass eye it does lol

Most I've ever paid is 500 quid and I was 21!! It was a pretty high insurance group car but I'll not embarrass myself by saying what it was in front of you young guns......:blink:
Click to expand...
Upload 2016 10 21 19 25 38
£500 quid....You were 'fleeced' again mate...Ha Ha
 
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Wow these prices!! They have gone up a lot, I had a mk2 focus rs 5 years ago brand new when I was 21 and that was only £850odd. Now 26 and paying £340 on a fl s3
 
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audi upgrades
Picked it up today!
 

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Wow. That sure is expensive. You are a little young though.
 
Already found my favourite feature...
 

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Have a cupra at the minute and have paid £750 with a stage 1 mod on it, 22, licence 5 years and 5 years ncb in March (hopefully). Going to be placing an order for an S3 or a golf R soon depending on what the R's facelift in November brings...don't shoot me down for mentioning VW pls!

It's my postcode mainly, if I was to be 5 minutes up the road in a bradford postcode, it would be triple
 
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