S3 pottential new owner

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Simon wills

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Hi guys new to the forum here so go easy on me haha. Currently have an audi a3 1.6 tdi (2012) insurance up for renewal next month currently pay £800 all in.
Just wandering what the insurance price will be a for a new s3 on lease? not sure a lease will make a difference or not to insurance. Been running some quotes on some fake details but similar to me ( different name, same birth etc) and Im getting quotes of £4000? Surely that cant be right. Golf R insurance is £1500 i really dont understand the insurance industry as they are Very similar cars. Sorry if its a long post will await for replies.
 
Simon wills said:
Hi guys new to the forum here so go easy on me haha. Currently have an audi a3 1.6 tdi (2012) insurance up for renewal next month currently pay £800 all in.
Just wandering what the insurance price will be a for a new s3 on lease? not sure a lease will make a difference or not to insurance. Been running some quotes on some fake details but similar to me ( different name, same birth etc) and Im getting quotes of £4000? Surely that cant be right. Golf R insurance is £1500 i really dont understand the insurance industry as they are Very similar cars. Sorry if its a long post will await for replies.
Click to expand...

Multiple things vary mate, no one can really give you even an indication due to how many different variables there are. For example... the difference in price between me insuring as parked:

-On the street
-On a driveway
-In a locked garage

Varies roughly £1000 depending on which I choose and surprisingly the street is the cheapest.



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Rolly12 said:
Multiple things vary mate, no one can really give you even an indication due to how many different variables there are. For example... the difference in price between me insuring as parked:

-On the street
-On a driveway
-In a locked garage

Varies roughly £1000 depending on which I choose and surprisingly the street is the cheapest.



Sent from my iPhone using Tapatalk
Click to expand...
Yh mate I understand. But will putting my real details in for a quote before my renewal be any cheaper than using different details with different name, same birth etc . Do insurance companies keep a record of you ?
 
Simon wills said:
Yh mate I understand. But will putting my real details in for a quote before my renewal be any cheaper than using different details with different name, same birth etc . Do insurance companies keep a record of you ?
Click to expand...

Don't think so mate, you should be alright. Wait for others to add their but before going ahead though


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Do your own details and try. Also start the cover date at least 2 weeks in advance. Usually cheaper that way.

I found that a locked garage cost £300 more than parking on my driveway.... quite weird .
 
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Timi8888 said:
Do your own details and try. Also start the cover date at least 2 weeks in advance. Usually cheaper that way.

I found that a locked garage cost £300 more than parking on my driveway.... quite weird .
Click to expand...

£400 cheaper to park on the road than on a drive and roughly the same for locked garage. Baffles me. However I suppose it's harder to decide what car belongs to what house for a thief


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Timi8888 said:
Do your own details and try. Also start the cover date at least 2 weeks in advance. Usually cheaper that way.

I found that a locked garage cost £300 more than parking on my driveway.... quite weird .
Click to expand...
Ok no worries will try that still dont understand how the golf R insurance is £1500 and the audi s3 is £4000?!? Theyre the same car for good ness sake. Same value I put in for both of them too .
 
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Simon wills said:
Ok no worries will try that still dont understand how the golf R insurance is £1500 and the audi s3 is £4000?!? Theyre the same car for good ness sake. Same value I put in for both of them too .
Click to expand...
It might be due to more s3's being stolen nowadays.
 
How old are you? I would guess thats the issue, not the car!
 
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OST said:
How old are you? I would guess thats the issue, not the car!
Click to expand...
Im 21 age I dont think is a issue otherwise i Wouldnt have got a quote of £1500 on the Golf R. Just dont understand why the s3 is £4000 haha
 
Rolly12 said:
£400 cheaper to park on the road than on a drive
Click to expand...
I pay £276 for on the drive, so if I change to on the road does that mean they will pay me £124 to insure my car??? :D:p
 
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S32B said:
I pay £276 for on the drive, so if I change to on the road does that mean they will pay me £124 to insure my car??? :D:p
Click to expand...

I should've said 'my drive'


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Simon wills said:
Im 21 age I dont think is a issue otherwise i Wouldnt have got a quote of £1500 on the Golf R. Just dont understand why the s3 is £4000 haha
Click to expand...

Yes. That will be the issue. At 21 I was in a peugeot 206 and paid nearly £1000 for that.

The S3 is a car which tea leaves like, its deemed as a higher quality car to the golf r and not forgetting it is over 300bhp. Would you insure a 21 year old on a car like that? I wouldnt unless I was being substantially paid for the risk.

Im not trying to put a downer on you but I wouldnt be considering an S3 at your age. I did mind you but the dream only lasted as long as it took me to get a quote.

If you are 'happy' paying the money for a golf r and the insurance, id go for that. It seems nuts but by far your best option!
 
OST said:
Yes. That will be the issue. At 21 I was in a peugeot 206 and paid nearly £1000 for that.

The S3 is a car which tea leaves like, its deemed as a higher quality car to the golf r and not forgetting it is over 300bhp. Would you insure a 21 year old on a car like that? I wouldnt unless I was being substantially paid for the risk.

Im not trying to put a downer on you but I wouldnt be considering an S3 at your age. I did mind you but the dream only lasted as long as it took me to get a quote.

If you are 'happy' paying the money for a golf r and the insurance, id go for that. It seems nuts but by far your best option!
Click to expand...
Yh I get where your coming from. But the Golf r Also has over 300 bhp and is the same value pretty much. Want the audi s3 because it sounds alot better than the golf and looks better too.
 
Simon wills said:
Yh I get where your coming from. But the Golf r Also has over 300 bhp and is the same value pretty much. Want the audi s3 because it sounds alot better than the golf and looks better too.
Click to expand...

As has been said, THIEVES PREFER S3


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Rolly12 said:
As has been said, THIEVES PREFER S3


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Click to expand...
Every TV police programme seems to feature an S3 at the moment, I have another 30 months of my PCP, can't see myself sticking with an S3 after that as can only see premiums going up and up if the theft trend carries on.
 
Timi8888 said:
I found that a locked garage cost £300 more than parking on my driveway.... quite weird .
Click to expand...

Maybe the stats say the increased risk of damage as you move it in and out of the garage outweighs the decreased risk of theft?

Simon wills said:
Ok no worries will try that still dont understand how the golf R insurance is £1500 and the audi s3 is £4000?!? Theyre the same car for good ness sake. Same value I put in for both of them too .
Click to expand...

Except they're not the same car, are they? One's a Golf and one's an Audi.

With regards to leasing, yes insurance costs more on a leased car. All the comparison sites will ask if you're the registered owner and/or keeper and, for a lease, the answer is no to both. The premiums will go up a bit as a result. I guess the stats say that people are less likely to look after lease cars which kind of makes sense as most are company cars.
 
UPDATE:
Got some good news got on the phone and spoke to my current insurance company. Willing to insure me on the S3 for only £1800 :D. This is with 0 years no claims so not bad at all. £500 voluntary excess.
 
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Simon wills said:
The compulsory is £350 Honestly suprised with that. Thought it would be double that.
Click to expand...

That's still a fair whack to find though in the event of a claim, I know it may not happen but if it does £850 is a fair amount to have to pay!
 
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Simon wills said:
UPDATE:
Got some good news got on the phone and spoke to my current insurance company. Willing to insure me on the S3 for only £1800 :D. This is with 0 years no claims so not bad at all. £500 voluntary excess.
Click to expand...

Im really not being horrible but why would you pay that much in insurance??? It makes me feel sick tbh. Plus the lease cost, thats mortgage money
 
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Simon wills said:
UPDATE:
Got some good news got on the phone and spoke to my current insurance company. Willing to insure me on the S3 for only £1800 :D. This is with 0 years no claims so not bad at all. £500 voluntary excess.
Click to expand...

"ONLY £1,800" holy protected no claims batman!! :blink:
You young uns lol
 
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Simon wills said:
The compulsory is £350 Honestly suprised with that. Thought it would be double that.
Click to expand...

Ah just thinking about it as well actually, is there a 'young drivers excess' on top of the compulsory?
 
Tbf a 21 year old with no claims trying to insure a Skoda Citigo will be around £1000 lol. £1800 is a bargain.
 
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My S3 was just shy of £150 with an Aviva multicar policy, however I'm approaching 50 lol
 
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pns2007 said:
My S3 was just shy of £150 with an Aviva multicar policy, however I'm approaching 50 lol
Click to expand...

I hope that included the 'old driver surcharge'
 
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OST said:
Im really not being horrible but why would you pay that much in insurance??? It makes me feel sick tbh. Plus the lease cost, thats mortgage money
Click to expand...
Haha no offence taken yeah I understand where your coming from. But Ive wanted the s3 since I was 17 and im starting my new job at the end of september so i need a good car. £1800 isnt alot to be fair My mates paying £3400 insurance on a Bmw M3 f80.
 
Simon wills said:
Haha no offence taken yeah I understand where your coming from. But Ive wanted the s3 since I was 17 and im starting my new job at the end of september so i need a good car. £1800 isnt alot to be fair My mates paying £3400 insurance on a Bmw M3 f80.
Click to expand...

I feel ya but its a lot of dough, just think about it before you commit!
 
Timi8888 said:
Tbf a 21 year old with no claims trying to insure a Skoda Citigo will be around £1000 lol. £1800 is a bargain.
Click to expand...
Agreed, at 19 I paid £1700 for a 1.6 TDI with 105PS!!! Still drive the gutless lump of **** today, genuinely think it's more dangerous as you need 4 times the time to join any traffic to anyone else lol
 
OST said:
I hope that included the 'old driver surcharge'
Click to expand...
It still includes a minimum £500 excess though.

I have however changed the s3 to a TDI and with one months insurance remaining, had a refund of £9
 
I just did my insurance for a 67 plate s3 black edition, with exhaust and springs. £500 all in, Milton Keynes area, 39 years old.

£250 voluntary excess, £300 normal excess.
 
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