1. This site uses cookies. By continuing to use this site, you are agreeing to our use of cookies. Learn More.

Amazing Insurance Quote...imo

Discussion in 'RS3 Forum' started by Kohaku, Jan 24, 2013.

  1. Kohaku
    Offline

    Kohaku Member

    Joined:
    Jul 20, 2012
    Messages:
    196
    Likes Received:
    26
    A broker friend of mine has just quoted me £244 Fully Comp, Full NCB due in 3 weeks. (£182 without my growing list of 6 Points).Inc £400 vol Ex. and all the usual other bits Thought I would do a bit of shopping around,and found the following so far.

    Swinton -£424
    Rias-----£940..lol
    Aviva----£333.

    Awaiting SAGA (Yes,i'm an old bugger).Dont hold out much chance, charged me £215 for 2.0 tdi 170 + £92 for 6 mths on RS.and no speeding points.
    #1
  2. h n y +
    Offline

    h n y + Member

    Joined:
    Jul 23, 2012
    Messages:
    49
    Likes Received:
    9
    do you mind me asking how old you are kohaku . i am 32 and just waiting for them to get nearer the three year old mark before i buy . any body on here round my age . i would like to know what i am looking at paying insurance wise .
    #2
  3. Kohaku
    Offline

    Kohaku Member

    Joined:
    Jul 20, 2012
    Messages:
    196
    Likes Received:
    26
    I am 65.

    Think it was cheaper because. When i was asked the question, where's it kept . I answered ' I sleep in the car for extra security'.
    #3
    Nathan_jones2002 likes this.
  4. 45bvtc
    Offline

    45bvtc Well-Known Member

    Joined:
    Sep 21, 2007
    Messages:
    1,353
    Likes Received:
    1,516
    Hi Kohaku,

    I'm 67-years young with a clean driving licence (honest) and have paid SAGA £397 for 2011/12 and £364 for 2012/13. To put this into perspective in 2010 I paid £255 for a 2001 S3.

    Question: Do I think the RS3 worth spending £200 more per year than an S3? Undoubtedly, the RS3 suits me just fine...
    #4
  5. A3simon
    Offline

    A3simon Active Member

    Joined:
    Nov 29, 2006
    Messages:
    983
    Likes Received:
    40
    I'm 30 and pay £340 FC with sainsburys insurance
    #5
  6. JudderMan
    Offline

    JudderMan Active Member

    Joined:
    Nov 29, 2012
    Messages:
    772
    Likes Received:
    112
    Wow, I'm 30 in July and I'm paying close to a grand! Will give Sainsbury's a whirl.

    Edit: scrap that, £3000 for my 8L.
    Last edited: Jan 24, 2013
    #6
  7. JonnyG
    Offline

    JonnyG Member

    Joined:
    Aug 31, 2008
    Messages:
    218
    Likes Received:
    61
    Many insurance companies do seem to be "kind " to RS3 owners

    I'm with Privilege for £280 a year after extras (and in my fifties)
    #7
  8. Kohaku
    Offline

    Kohaku Member

    Joined:
    Jul 20, 2012
    Messages:
    196
    Likes Received:
    26
    That sounds very good for your age..

    I'm probably as low risk as you can get. ( Apart from speeding offences) Max 6000 miles per year.
    #8
  9. dancupra225
    Offline

    dancupra225 Member

    Joined:
    Apr 27, 2012
    Messages:
    605
    Likes Received:
    19
    I work for swinton
    #9
  10. Kohaku
    Offline

    Kohaku Member

    Joined:
    Jul 20, 2012
    Messages:
    196
    Likes Received:
    26
    I believe many insurers are not in the market for us. Obviously Swinton take the negative approach.

    One company may be in a position to take most of the 750 of us that will be looking for a new home in the next 12 months.


    Just contacted Sainsburys.NO GOOD. Min Ex £750

    Premium £446....Another company doesn't want to be in this market...fools.
    Last edited: Jan 24, 2013
    #10
  11. s4tronic
    Offline

    s4tronic New Member

    Joined:
    Jan 20, 2013
    Messages:
    23
    Likes Received:
    4
    I pay less for S4 than for Seat Leon FR 2.0t I had before it... £271 FC, 8 years NCB and 29 years of age... I was very surprised by this but checked twice and its correct
    #11
  12. Vito
    Offline

    Vito Member

    Joined:
    Jan 22, 2013
    Messages:
    153
    Likes Received:
    73
    I was with sainsbury`s insurance up until last october, and was paying £470 for a mk5 GTi. No points, 13 years NCB, and I`m 44. When I was buying the RS3 I rang them to find out how much more they wanted from me and to my amazement they quoted me a whopping £ 1900 a year!!!!!!!!!!!!! Shocking I couldn`t belive it, I was really really p....d off with them so I sent them a right nasty email and good bye sainsbury insurance. Now I`m with admiral, at first they wanted £ 500 but then dropped it to £400 when I decided to get a multicar policy instead for me and my daughter, I bought her a 2005 Polo 1.2, she is 18, just passed her test and I paid £ 1600 for her insurance or could have been £ 1400 if we had a insurance tracker fitted to her car.
    #12
  13. h n y +
    Offline

    h n y + Member

    Joined:
    Jul 23, 2012
    Messages:
    49
    Likes Received:
    9
    the best i have had is £1778 from privilege guess it is the manchester post code . :3sadwalk:
    #13
  14. NHN
    Offline

    NHN Modmetractor

    Joined:
    Jan 14, 2008
    Messages:
    27,235
    Likes Received:
    1,220
    Bite there hand of for £244.
    #14
  15. monkeyboy_marcus
    Offline

    monkeyboy_marcus Member

    Joined:
    Aug 11, 2012
    Messages:
    275
    Likes Received:
    106
    I'm due to renew tomorrow, got it down to £490 with Direct Line (been with them for 8 or 9 years) but having seen some of the figures above I might shop around. I'm 38 by the way and have a Sevenoaks, Kent postcode, garage and tracker fitted.
    #15
  16. Real Thing
    Offline

    Real Thing Member

    Joined:
    Sep 18, 2012
    Messages:
    59
    Likes Received:
    38
    Can never understand insurance pay £330 for the RS3 9 years NCB then I had a Golf Edition 30 added on a Multi-Car Policy with 1 Years NCB last year nearly £600 just swapped it over to put the GT-R on it was thinking I would need to switch the RS3 NCB to bring it down and it costing less than the Golf (Only £580) with 1 Years NCB and same conditions.
    #16
  17. CarrG
    Offline

    CarrG Member

    Joined:
    Nov 22, 2008
    Messages:
    261
    Likes Received:
    33
    £320 FC Euro cover & Breakdown, Sainsburys Age: 34 Garaged with reasonable postcode
    My 50k Cali is £190!!
    #17
  18. S3 AD
    Offline

    S3 AD Member

    Joined:
    Jul 3, 2006
    Messages:
    224
    Likes Received:
    48
    The RS3 costs me LESS to insure that my S3, the S3 was 2 years ago when I was 30 but I was very nicley suprised. When renewing I did get quotes up to £1500 for the RS3 tho
    #18
  19. 45bvtc
    Offline

    45bvtc Well-Known Member

    Joined:
    Sep 21, 2007
    Messages:
    1,353
    Likes Received:
    1,516

    Maybe the reason for 'low' insurance is: (a) there aren't many RS3s out there so the statistical accident rate is low, (b) many are being driven by old far#s, mine included, and (c) the insurance industry think us safe and steady ~ ~ ~ ~ ~ sorry, but I just had to laugh at that!

    Maybe dancupra225, with Swinton informed knowledge, can tell us.

    PS: one definition of 'driving fast' is to compare: (a) the number of times you overtake to (b) the number of times you're overtaken: I can't ever recall been overtaken on A/B roads whilst in the RS3, ever...
    #19
  20. CarrG
    Offline

    CarrG Member

    Joined:
    Nov 22, 2008
    Messages:
    261
    Likes Received:
    33
    I think begining of last year we put it down to (A) but since we've had stolen at knife point, 3 smashed up, 1 stolen interior and a few known minor claims...

    I think we all maybe in for a shock come renewal??
    #20
  21. P_G
    Offline

    P_G Member

    Joined:
    Oct 22, 2012
    Messages:
    342
    Likes Received:
    65
    I'm impressed by a lot of the prices quoted here but at the same time sceptical I could get better given my own position. TBH I just swapped the RS4 for the RS3 at Admiral Multicar and they charged me to add air filter and exhaust to my mods on the 3 by about £30 so theoretically that meant the 3 was £30 more to insure than my RS4 which is reasonable enough since it is about 3x the value and I'm doing 3x the mileage in it. I suspect they were having me over a barrell though because I simply swapped cars on the same policy.

    I'll be shopping around next time as I'm not convinced multicar is worthwhile when only two cars. Theoretically my RS3 is costing £730 for Class I business use on 15k miles, no points, 11 years protected NCB, 1 fault accident, 2 windscreen claims and two non fault fully recovered accident notifications in the last 5 years, 39 years old. Partner on policy as well for SDP, 39 years old, 2x SP30, no accidents.
    #21
  22. h n y +
    Offline

    h n y + Member

    Joined:
    Jul 23, 2012
    Messages:
    49
    Likes Received:
    9
    i wonder who is the youngest rs3 owner on here . i would like to know what he or she is paying .
    #22
  23. Kohaku
    Offline

    Kohaku Member

    Joined:
    Jul 20, 2012
    Messages:
    196
    Likes Received:
    26
    SAGA - £375 Not inc 2x 3pts Speeding

    Obviously another not interested in this market.
    #23
  24. RYes3
    Offline

    RYes3 Member

    Joined:
    Apr 19, 2012
    Messages:
    732
    Likes Received:
    84
    £580 here with a terrible looking license ;) 30 years young
    #24
  25. wickedstef
    Offline

    wickedstef Member

    Joined:
    Feb 19, 2012
    Messages:
    138
    Likes Received:
    43
    I'm 37, not the best example as mine's an LHD import, 8 year protected no claim ==> £600

    I think I'm being had because of the LHD, but that's a choice I accept.
    #25
  26. monkeyboy_marcus
    Offline

    monkeyboy_marcus Member

    Joined:
    Aug 11, 2012
    Messages:
    275
    Likes Received:
    106
    Ran out of time before I had to renew and have gone with Direct Line again. £490 with 6 years NCB and £500 excess was the best they could do and Sainsbury's, Swinton etc couldn't do significantly better. That's £90 more than for the 1.5 year old Scirocco £25k last year. Also found that adding the gf to the policy brings the price down, which is the opposite of what I expected.
    #26
  27. h n y +
    Offline

    h n y + Member

    Joined:
    Jul 23, 2012
    Messages:
    49
    Likes Received:
    9
    where am i going wrong i am 32 with no points 11 years ncb and £1778 is the best i can get
    #27
  28. Vito
    Offline

    Vito Member

    Joined:
    Jan 22, 2013
    Messages:
    153
    Likes Received:
    73
    My previous insurers sainsburys wanted £1900 ( £1500 more then what I was paying them for a GTi, I am 44,14 years ncb,clean licence ) I told them to get stuffed and went with admiral for a nice £ 450.(Still a bit high but I have a bad Preston PR1 postcode)
    Few days ago I got an email from money supermarket with a quote for £ 360 but that was for my old GTi, and just for curiosity I changed the car details with those of the RS3, and the cheapest quote I got was for £ 520 and to my astonishment it was from SAINSBURY again, my previous insurers, the same ones that wanted 1900 quid, and that was only 2 months ago !!!!!!!!!
    Can you work that out, anybody ???
    So to the people who are paying bloody alot of hard earned cash I would say to keep trying for new quotes, you can always cancel your policy get some money back and go with somebody else.
    #28
    Kelza likes this.
  29. A3simon
    Offline

    A3simon Active Member

    Joined:
    Nov 29, 2006
    Messages:
    983
    Likes Received:
    40
    It depends a lot on your location
    #29
  30. Kohaku
    Offline

    Kohaku Member

    Joined:
    Jul 20, 2012
    Messages:
    196
    Likes Received:
    26
    Co-Op £670

    Job Done at £244.
    #30
  31. P_G
    Offline

    P_G Member

    Joined:
    Oct 22, 2012
    Messages:
    342
    Likes Received:
    65
    Can you declare modifications with them? IIRC you can't?
    #31
  32. A3simon
    Offline

    A3simon Active Member

    Joined:
    Nov 29, 2006
    Messages:
    983
    Likes Received:
    40
    I'm not sure but I have no mods yet will. Put the mods on when I renew
    #32
  33. h n y +
    Offline

    h n y + Member

    Joined:
    Jul 23, 2012
    Messages:
    49
    Likes Received:
    9
    could be the manchester post code .
    #33
  34. Kohaku
    Offline

    Kohaku Member

    Joined:
    Jul 20, 2012
    Messages:
    196
    Likes Received:
    26
    Probably because in your area you have sophisticated gangsters.down here the equivilant is the odd passing highwayman.
    #34
  35. MBK
    Offline

    MBK Active Member

    Joined:
    May 3, 2012
    Messages:
    1,156
    Likes Received:
    1,091
    Another happy renewal quote today, £348.74 all in, £7 less than last year. How often do you get to say that when renewal time comes around!?
    #35
  36. Kohaku
    Offline

    Kohaku Member

    Joined:
    Jul 20, 2012
    Messages:
    196
    Likes Received:
    26
    Give Kwik Fit a ring (R&SA ) Actively looking to get us. Special rates. 0800 280 2222

    Tell them your were recommended from this forum. I told them they could have a potential 750 new customers.

    Mine was £182 + £62 for 2 speeding offences.
    Last edited: Mar 27, 2013
    #36
  37. MBK
    Offline

    MBK Active Member

    Joined:
    May 3, 2012
    Messages:
    1,156
    Likes Received:
    1,091
    Ok thanks, I will give them a try, nothing to lose from a quick quote.

    Update - epic fail...they don't seem to know what an RS3 is!?!
    Last edited: Mar 27, 2013
    #37
  38. CarrG
    Offline

    CarrG Member

    Joined:
    Nov 22, 2008
    Messages:
    261
    Likes Received:
    33
    If unmodified try Sainsburys Online Quote. :)
    #38
  39. MBK
    Offline

    MBK Active Member

    Joined:
    May 3, 2012
    Messages:
    1,156
    Likes Received:
    1,091
    Sure is, I'll add the classic three words though, at the moment. I'm holding off a remap due to the drive shaft issues etc reported recently, I want to stay with an insurer who accepts mods should the mood strike. Plus every time I think about more power three little letters hover in front of my eyes...GTR!
    #39
  40. Kelza
    Online

    Kelza MODERATOR Staff Member Moderator

    Joined:
    Oct 29, 2010
    Messages:
    2,615
    Likes Received:
    367
    MBK a few tweeks and the rs3 will be all over the gtr ....:)
    #40

Share This Page