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

Discussion in 'A3/S3/Sportback (8P Chassis)' started by Sheikh, Mar 24, 2012.

  1. willowsdad
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    willowsdad Sideways

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    [Mar 25, 2012]
    Im guessing anger management?
    Only joking. But seen as this forum is all about passing on your knowledge, why not break it down and simplify it for the masses. Before someone spends there hard earned cash and doesn't realize what they're signing up to.
    #41
  2. paddy
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    paddy Audi=No fault code, no idea

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    [Mar 25, 2012]
    Sorry mate but on the insurance risk list Surrey is good. I live in Surrey in a town. I am the lowest risk post code there is , band d is it ? and pay £385 full comp with declared stg1 revo on a brand new car. I'm with Aviva.
    Admiral are fine but not if you want to remap or make a claim.

    It has nothing to do with area or car TBH its just you are given a quote by computer and you need to fight it out with a broker. I was with admiral with just 2 months to run on my 3.2 insurance and i wanted to change to S3. They wouldn't even quote me !! eventually i got a quote of £1100 from them, i switched to Audis' own insurance for the remaining 2 months then tried everyone again...Admiral now said £475 !!.

    I recently bought a new van. As its a commercial vehicle i had to start with Zero NCB again. Compare the market best quote was £4407 !!! After getting Aviva to ask their broker direct to asses the risk they can back with £480 in 1 years NVB complementary.....

    You just need to take the time to speak to a broker and not the monkeys on the cheap insurance hotlines.
    #42
  3. paddy
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    paddy Audi=No fault code, no idea

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    [Mar 25, 2012]
    Fact is Warren, every generation thinks it has it tough but its always been the same.. when i was 20 i bought an MGB, i had a years no claims , people under 20 didn't even own or expect to own cars in the late 70s and early 80s. You had a moped at 16, a 250cc bike at 17 and a 3 wheeler on a motorcycle licence after that.
    My insurance for the MGB was nearly £500, well over £2k today...and an MGB was only a Morris Marina underneath.
    Every generation thinks they have a bad deal. 50 years ago my dad couldn't afford a car until he was 30 and we didn't have a TV until he had 4 kids and better job. 60 years ago most people were in council housing or tied housing/rented. Getting a mortgage was more difficult than it is toady in fact even getting a bank account was not easy. It all goes round and round :)
    #43
  4. Adam.
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    Adam. Meow.

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    [Mar 25, 2012]
    Who was that aimed at?
    #44
  5. paddy
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    paddy Audi=No fault code, no idea

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    [Mar 25, 2012]
    Last edited: Mar 25, 2012
    #45
  6. Sheikh
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    Sheikh Member

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    [Mar 25, 2012]
    Same! I'm in Woking but my postcode is still GU :happy:
    #46
  7. paddy
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    paddy Audi=No fault code, no idea

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    [Mar 25, 2012]
    you might be interested to know the New cupra R 09-- is insurance group 36 the same as a S3 so they are messing you about.
    #47
  8. iamwhatiammomo
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    iamwhatiammomo Member

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    [Mar 25, 2012]
    Insurance group 36 I thought an s3 was group 18?
    #48
  9. Sheikh
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    Sheikh Member

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    [Mar 25, 2012]
    Thats the new style of insurance groups, they now go from 1-50 i think.
    #49
  10. iamwhatiammomo
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    iamwhatiammomo Member

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    [Mar 25, 2012]
    Yeah I noticed that, when I saw the rs3 was group 42 completely confused me
    #50
  11. MartayMcFly
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    MartayMcFly Well-Known Member Regional Rep VCDS Map User

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    [Mar 25, 2012]
    Insurance group is just a guide from an independent body, not a strict rule for pricing insurance. They price insurance more specifically than just using the insurance group (value of the car, for example) so you can get a range of prices within a group, and cars in different groups can end up the same price to insure.
    #51
  12. Sheikh
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    Sheikh Member

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    [Mar 25, 2012]
    I found insuring a more expensive car was far cheaper than insuring a cheapy old banger
    #52
  13. OVRA3
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    OVRA3 Well-Known Member

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    [Mar 26, 2012]
    Try Adrian Flux for young driver insurance, they specialise in young driver high performance...
    #53
  14. iamwhatiammomo
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    iamwhatiammomo Member

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    [Mar 26, 2012]
    Lol tried Adrian flux, got quoted 22000 on a 2litre tdi
    #54
    Sheikh likes this.
  15. FranA3
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    FranA3 events moderator Regional Rep

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    [Mar 26, 2012]
    i don't miss those days of paying stupid amounts for insurance been there done that lol , i think i was paying £3000 ish for my old escort RS turbo at 22 but every mod had been disclosed because i spent so much money on her and was on a like for like deal with a specialist insurance company , nowadays i pay £450 for my audi but i expect it to be cheap nowadays I'm a old b**tard now 31 lol
    #55
  16. Sheikh
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    Sheikh Member

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    [Mar 26, 2012]
    Might have to be a cupra lads, one went booting past me earlier and the sound that thing made was phenomenal!
    #56
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  17. MartayMcFly
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    MartayMcFly Well-Known Member Regional Rep VCDS Map User

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    [Mar 26, 2012]
    Did it sound this good?

    Last edited by a moderator: Aug 15, 2014
    #57
  18. Sheikh
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    Sheikh Member

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    [Mar 26, 2012]
    Why would you do that to me! That sounds unreal. FFS.
    #58
  19. Farhan
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    Farhan Active Member

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    [Mar 26, 2012]
    I find the 4 pot turbos sound a tad boring LOL...

    Its all TICK TICK TICK TICK

    WOOSH WOOSH WOOSH :rock:

    (Dont get me wrong i love them though)
    #59
  20. Sheikh
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    Sheikh Member

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    [Mar 27, 2012]
    #60
  21. Sheikh
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    Sheikh Member

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    [Mar 27, 2012]
    #61
  22. iamwhatiammomo
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    iamwhatiammomo Member

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    [Mar 27, 2012]
    The cupra looks nice until you get inside the damn thing! I don't know what's worse? That or the saabs interior! It's hideous
    #62
  23. RichieH
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    RichieH New Member

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    [Mar 27, 2012]
    I remember reading somewhere about a black box of tricks (yeah I know, really helpfully) that monitors your driving, presumably speeds, actual millage, times of day your driving & that kind of thing, some companies will give you a discount for having it fitted - obviously there's the downside - having a prang @ 31mph in a 30 would probably mean no pay out!
    #63
  24. iamwhatiammomo
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    iamwhatiammomo Member

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  25. audigex
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    audigex Active Member

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    [Mar 27, 2012]
    If you've done a quote with 2 older named drivers, you're probably within about 20% of your lowest possible price tbh. It's possible to haggle them down if you've got a second company with a not-far-off quote, but you'll only get so much off with that.

    The area you live makes a massive difference - I live in a category B area, with relatively low car crime and accident rates, and mine is about £1,000 at 22 on a new A3 170TDI BE. If I put in a Bradford/Salford postcode, I get £8,000+ or just plain "no quote available"... the area makes a huge difference. Age seems to make a difference, sometimes moreso than NCB - although obviously the two often come hand in hand, so it's hard to compare sometimes. £1000 is a fair chunk of cash, but I just figure it in with my fuel costs (another £1600 or so a year, I think, with 10k miles [10000miles / 45mpg * 4.5 litres/gallon * 1.6 £/litre]) and then add general tyres/servicing/cleaning products/bulbs and other expenses on top.

    I've not tried with an S3, I might run a quote through out of curiosity sometime - I don't do enough driving on the right kinds of roads for the S3, so an 170TDI has plenty of power for my needs and I get to save a few quid on fuel.

    Does it have to be an S3, or could you live with a 2.0T S-Line/Black Edition? If so, try some quotes with that. Also, stick in a lower risk postcode (LA1 4DX if you want to try one I happen to know is pretty low-risk) and see how that comes out. If it's about the same, there's not a lot you can do. If it's significantly lower, it's your location being the problem.
    #65
  26. K.A
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    K.A Member

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    [Oct 9, 2012]
    Wow am 20 and am getting quotes like £1600. Buh am i would be more than happen to pay anything under £1200. yeah.. i love the stronic too.
    #66
  27. K.A
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    K.A Member

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    [Oct 9, 2012]
    Hi Mjr901

    I quotes from admiral buh they say they gna install a tracking box in the car. did they do that to you?
    #67
  28. Brodster
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    Brodster Shark Performance In Scotland Regional Rep VCDS Map User

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    [Oct 9, 2012]
    Diplomatic Corps?????
    #68
  29. 16Klappe
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    16Klappe RacecaR forward is RacecaR backwards. Supporter

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    [Oct 9, 2012]

    Nothing diplomatic about me! A spade is a spade; it makes entertaining reading though. ;)
    #69
  30. mjr901
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    mjr901 Parts Manager - (Main Dealer)

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    [Oct 9, 2012]
    Hell no, I dred to think what they'd say if they saw how I drove!! they'd probably come and see if the box was faulty or something and giving silly readings!!!
    #70
  31. Brodster
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    Brodster Shark Performance In Scotland Regional Rep VCDS Map User

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    [Oct 9, 2012]
    Here here..........no beating aaround the bush..........tell it as it is. Too many namby pamby folk in this world now being politically correct so they don't upset Joe Bloggs. Bet you think Boris Johnson would make a good PM........I certainly do.
    #71
  32. Marshallman
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    Marshallman New Member

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    [Oct 9, 2012]
    Seems the S3 is cheap to insure:icon_thumright:
    My son insured his VW T5 van for the first year at 19 and it cost him £3100 (including business mileage) :racer:
    Second year £2300
    This year's quote £1080.
    S3 sounds cheap to me :)
    MikeM
    #72

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