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Discussion in 'General Chat' started by AudiNutta, Aug 19, 2012.
Fiat Sceciento Sporting is worth a look. Naff car with no power but should be a cheaper option.
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Good suggestion I will price up insurance now
Only £2413 to insure.
I really feel for you youngsters these days. I got the hump the other year as they wanted to sting me £450 FC for the year on my modified A4 with business use. Got it down to £300 after telling them I would cancel. Was really annoyed, then I hear stories of £2k+ to insure shopping trolley cars :-(
If it makes you feel any better my friends brother has moved over from Australia and is 17. Trying to get insurance with the proffesion of racing driver at that age meant for some insance quotes. 1.2 Corsa C £3,800 TP only. Think the worst was something like £12,000.... WTF!!! It's verging on criminal
I honestly think it has passed the stage of being criminal I understand where the insurance companies are coming from when it comes to all of the 'supped up boy racers' but there are a huge percentage of decent drivers getting punished. I will be so lucky to get a car when I'm 17. I can see me having to continue on a motorbike.
I am going to persuade my father so change to Direct Line when the time comes. Direct line let parents put their children on their own policy, also the children build up a NCB which is fantastic. Then he would have to pay a £40 charge per year so that if anything did happen I wouldn't take away his no claims bonus :thumbsup:
Problem with these policies is the NCB is only recognised if you stay with Direct Line. Also from memory, although I will happily be corrected, thi sonly allows you to be added to their policy on their car not for them to buy one for you and then insure it as a 2nd car and add you as a named on that. Technically for them to do this is a criminal offence known as "Insurance Fronting", basically insurance fraud. I know for a fact that Herts police have been cracking down on kids insuring cars this way and seizing their cars, try getting cover at any sensible rate after having a no insurance conviction code on your licence
If you take that route read very VERY carefully exactly what the terms and conditions are of what they are offering.
It isn't just young 'supped up boy racers' that cause high policy prices it is ALL YOUNG DRIVERS. You're more likely to bin it in the first year of driving, it's a fact.
I kno I've been there, I've paid insurance that cost more than twice the money of the car, I paid it cause I wanted a car. After the first year the price halved, the year after it came down again.
Insurance companies are all robbers in call centers, I own a 20 year old Audi 80, Im 25 and I like in a high crime rate area, this means my insurance (with all mods declared) is £700, I can drive any car, all the other types of cover and protection. My company who I was with last year wanted to charge me £1200! robbin' f***ers! I didnt even pay that on my 300 brake 200sx! C***s!
When I told them I was leaving they said they could do it me for £800. So, hang on? It's still £100 more? I can't drive other cars? and you basically tried to rob £500 from me by just expecting me to renew without looking around?
Best bet is to chose a sensible car (1.0 to 1.6), within 10 years or so old, stay away from anything with the words 'sport' 'gt' 'gti etc. choose something that everyother young driver doesnt drive. When i was 18 i bought myself a 2.5 subaru Legacy, top spec, was peanuts to insure as no young drivers have them, they rarely get written off and they are generally looked after by sensilbe mature owners.
Once you've got two/three competitive quotes try and play the other insruance companies off of each other, one of them will want your business more and drop £50 to £150 quid.
Thanks Andy. I am looking into a 0.9l Fiat Seicento now. But a car is a car. I said to my parents I need to think of the most unlikely car to have a young driver in. So I spent hours each day on eBay searching for cars that are likely to be cheap to insure. Never know, it might be worth my time. So at the moment I could either end up with a litre of love. Or hopefully something decent.. but i am unsure what cars to look at as far as what youngsters wouldn't drive!
Daewoo, Kia, Proton, all the uncool stuff that people will take the piss out of you for. Sit back and wait as you save rather than spunking money on a Corsa ****box you save for a car you want.
I wouldn't mind people laughing at me for a year. As long as it is juts a year I'm sure I could get over it Just have to keep thinking I am one step closer to and Audi and laugh at the t*****s that cant afford to insure their saxo's Job done!
Your thoughts lads?
1999 DAEWOO MATIZ SE+ | eBay
call magic quote , they do £3,000 excess policies lol
With £500 excess I am still getting £3000 on a 1 litre corsa. That is on eBay for £70 The price comparison websites wont let me enter any more than £500 excess.
call them directly
i started driving at 27, my s3 was £3000 to insure with anyone, apart from magic quote, they wanted £1350.....
I am going to phone direct line one day. I will find out what they can insure a 1.1 Seicento Sport for. LOL
I will as soon as there is a day I wake up before 4pm
what about an Audi A2, 1.4 tdi?
Good thinking. I didnt think of one of those. I will try later :thumbsup:
Interesting thread this... Brings back memories, too.
I was a late starter to driving (I think I was 23/24 - got too used to just going everywhere by train). When I finally got around to it, I'd decided I was likely to start with a 306 Turbo Diesel - they were a tidy looking motor (compared to its peers), enough poke to at least pull the skin off a rice pudding, and cheap as chips to insure (Group 5 IIRC). Anyway, that never happened. I was earning reasonable money and only really drinking/smoking it, so figured I'd spend a bit more and get something closer to what I was really after, and I started looking at MkIV's...
A little while later, I went to pick up my A3 (8L, 1.6 Sport).
...Then I applied for my provisional. Tit tuoba esra indeed.
I think it cost me around £2500 as a named provisional holder with my old man down as main driver. Surprisingly enough, that was with Norwich Union (now Aviva, of course). I don't think it made much difference initially following passing my test (and incidentally, I passed first time - both times (can you guess what I did? )). I bumped it a couple of times afterwards - thankfully into things which didn't need to claim off me - so I shelled-out for repairs myself in order to avoid building a claims history faster than a no-claims history. Third time proved to be the charm.
Thanks largely to this place, I also spent a small fortune modifying it. The only part of the whole affair which wasn't expensive was the learning part - I took one lesson and decided it was a nonsense, so bought a decent book/DVD to learn how to pass the test, and got a mate to sit next to me every Thursday night while I mooched-about to learn how to make the car go and stop.
If I could go back in time should I buy the 306? Yes. Would I? Nope. I'd just try not to bump the A3!
Anyway... As you're finding, insurance for new drivers is basically a nightmare. Doing your research is absolutely crucial. I'm pulling figures out of the air to illustrate the point, but it's important to remember that the type of car, its insurance group and value can have next to no relevance when you're a higher-risk driver. You might get a quote on a 1.2 Corsa that's 15 years old and worth less than the paper the V5's printed on, for say £5000. Put a quote through for a three year old 1.2 Corsa (might not be the same group now, but there are plenty of examples out there which are) which is worth a couple-or-three grand, and the quote might be £1500. In effect, you get the car upgraded for free. Try as many possibilities as you've time to put through - regardless of how far-fetched you think they might be; you might just get a surprise.
The Mk2 Rolf suggestion might be a good one, too - depending on the year, they now qualify for a lot of 'classic' insurance policies - it's unlikely you'll get on one of these as a provisional holder, but once you've passed it should be no problem, and so long as you're not planning to do huge mileage you're on for a mahoosive saving.
Also, Mk2 Rolfs rule. And you can fix them with a hammer.
And they're a Mk2 Rolf. And that's cool.
Did I mention that Mk2 Rolfs are cool?
*goes to reskin site as Mk2RolfWannabe-Sport.net*
All the best,
Cant thank you enough Rob. Really enjoyed reading it too You have put across some fantastic suggestions there. I will be looking into everything you have said I never actually thought of looking at a newer car. People have suggested nicer older cars. Never thought of that due to the insurance prices I was getting on the 1986 Fiat Pandas. I will get back to you on how I do
Once again, thank you,
£3800 to insure. £5000 less than an A3! Getting there. Thanks mate
I totally agree with superKarl. I remember when I was 21 8 yrs ago... wow! I was so fascinated with Audi S3. My frd had one in yellow & black, which was big back then in my neighbourhood. I'd planned by time I'm 25 I'm going to buy one.
My first Audi was 1.6SE, 97 P reg in midnight blue at 24, loved it. I'd pimp it a little, Audi tt alloys, tinted windows, new head unit, speaker box. I didn't do any mods to engine tho no point for 8valve. I was in love heavy!. I sold my sweet heart after two year's of owning it. Ready to buy S3 8l yep! miss deadline at age 25. .
The time came, looked at a couple with disappointment how they were looked after engine wise. I was frustrated so I decided to wait, for right time to come, so I bought A3 8p 2.0 TDI sport magnificent!
Ok cut a long story short a year later S3 8l 225 standard came up top spec with gud mileage, bought & sold me car. Havnt look bak f**king luvin it.
Moral of my story is fella patient & ure time will come.
As an owner of of a mk2 'Rolf' in 16v flavour, I need to let you know a few things regarding Classic insurance policies.
Firstly, most companies require you to have a main car, or use of another car to have an insurance policy, eg., it has to be classed as your second car. I've heard some people have a couple of classic policies to get round this problem, so they own 2 classic cars insured on the cheap, but need to buy 2 lots of roadtax!
Secondly, you will find most classic insurance is only available to 25 yrs old or over, you will find a few that will insure 21 and over, but they are rare, and because I never shopped around for that age range, I don't know who does it. So that puts this idea out the window for this chap, as new drivers are not generally allowed classic policies.
As a gauge for anyone whose thinking of this, my 89' Mk2 16v costs £212(off the top of my head) to insure FC, limited to 4k miles, and all mods declared(lowered suspension, aftermarket wheels and S/S exhaust system). I'm 35 living in a decent'ish postcode with a clean license. There is no NCB needed or gained from these policies.
Kudos to you for wanting to get an Audi as your first car. Realistically it is going to be expensive but theres plenty you can do to try and help reduce insurance costs.
For me I was 17 when I passed my motorbike test, smoked around on two wheels, sometimes one (caught 3 times dangling my front wheel in the air and still got my licence!!! ). I waited until I was 20 before passing my car test. Because I had been on a bike for a few years I was now classed as a "new driver" (being allowed a full 12 points on my licence instead of 6, although I already had 3 at this point!!!!)
I went and bought my first car for £110, it was a MK III golf, 1.8 SE and I LOVED it.... thought I was king of the road. It had no heating, the wheel arch was almost rusted through but I loved it none the less. I managed to bring down my insurance by £800 by adding my mum and her bf at the time as a named driver. So I was the main driver, and they were named so i got the NCB and my insurance was down £800.
Few weeks later I plouged into the back of a ford with a towbar and wrecked it!!! I scrapped my car for £110 so got my money back
Then i got another Mk III 1.8 Golf. This time it was a GL 5 door. Reduced insurance another £200 (insurance company were unaware that I had crashed at this point). Later that year my sister was bought a 2003 Audi A3 2.0 FSI, I was jealous as hell as it was a dream car of mine. So I busted my balls saving cash and 3 months later I bought my first Audi A3 1.8T 1998 with 200,000 miles on the clock. Bargain at £1k at the time.
Had that for just under a year after saving all year again and bought a 2001 Audi A3 1.8T facelift model with 200 BHP and lots of goddies under the bonnet. Loved every minute driving that car! It's up for sale now though as I have now bought a 2006 Audi A3 2.0 TDI S-Line DSG. This is my final dream Audi A3, its got nearly everything I want and plan to fit what it doesn't have. Not sure what my next car will be as I don't like the 2012 A3, so might have to re-evaluate!
My advice would be to get something a bit cheaper than an A3 as your first car, but still something you like, and here's a few tips to reduce insurance
- Get a car that is a 5 door rather then a 3 door hot hatch
- Don't get a basic model, try to aim for mid range
- Diesel doesn't make it cheaper all the time!
- Insure yourself as a main driver and your parents as named drivers
- Increase insurance excess / go for TPFT insurnace rather than FC
Hopefully that helps bring down insurance, but remember, prices WILL change a lot between now and when your 17 so try guage whats best but be prepared to sell up if insurance is mental. Also, paying off in one lump sum saves a shed load of cash.
Another tip, as my delivery driver found out the other day is, when you need cover quick, prices are hiked up, but if you plan ahead and get quotes 2 weeks in advance, there was as much as £200 difference in annual premiums for the same car, with the same insurance company!! Work that one out?
No such thing as 16v Mk2 Rolfs. Only Valvers. Mmmmmmmm. Valvers.
I'm not sure who it's with, but a buddy of mine certainly has a Mk2 on a classic policy as his only car - but yeah, I guess there'll be age restrictions even on these. Bang goes that idea.
Might have to stop reading this thread. I'm running out of reasons not to have a big bumper beauty sat on the drive!
I am prepared to put up with any car I can get my hands on now If it means it will help me get an Audi I am all for it As an Audi has been a lifelong dream for me. Which is why I joined the forum when I was ten years old.
Thanks a lot for your advice
Thanks so much. I am really enjoying people's car stories on here Thanks for your fantastic advice, I will be re-reading through the entire thread and try everybody's threories of how to get it cheaper. I was getting insurance for £5000 on. 1995 corsa. I priced up a 56 plate fiesta 1.3 and insurance is £3000! Around £2800 for a 04 plate corsa. So it is now just a case of trying to find the perfect car age wise and spec wise to make it the cheapest to insure.
One again thanks so much. Really appreciate your help.
Urm, that's very interesting! I will try that one out later! I hope the more people they have requesting quotes on go compare outs the prices up? I must have put in 150 quotes in a week by now. I thought of that as with booking holidays online, if they have a large amount of people searching for the same holiday, the prices go sky high for a few days.
I'd like to say no as insurance is calculated on risk - but then women get cheaper car insurance so who knows!!
Reminds me though, my renewal date was the 30th, by changing it to the 31st (so uninsured for one day) it reduced by £80.
I called my insurance company who said they would match the price to which I asked why would I want that? I wanted them to better it. I said if I went through compare the market i got a free meerkat and my little brother really wanted the cuddly toy.
Put me on hold for 5 minutes, came back and took an additional £50 off!!!! Who ever thought meerkats were worth so much!!
Lmfao! One of the best bribery techniques I've heard of