S-Tronic S3 costing around £500 more than manual

Kayobong

Registered User
So for my next car I've been looking primarily at 8P S3's and for some reason the cost of insurance on an auto is around £500-800 more. For manual, the cheapest I've found is £1,300 without a black box and this is with Admiral, which is pretty good as I am 20 years old and have held my license for two and a half years with one year NCD and live in a good area. Whereas with an S-Tronic S3 of the same spec and price it costs around £1,800 with Admiral, again being the cheapest. I should add my father is on the policy quotes as a named driver, and he has had his licence for over 25 years. I have tried multiple comparison sites and going direct to a few companies. Also, when I phoned my current insurer and asked about dashcams they said that cost of the quote didn't change which I thought was a bit odd.

Am I just doomed and have to go with a manual, or should I wait until I'm over 21 before considering an S3? Just curious about anything I could be overlooking or any advice anyone has, thanks.
 
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Kayobong

Registered User
Quick update, just got a quote from my current insurer (Elephant) and an auto S3 would increase my insurance by £1000 and a manual only increases by £300 so I think I'll be going for a manual as this is the cheapest option.
 

Kayobong

Registered User

Adam14

Registered User
I'll give it a go, thanks!
Not that these things are comparable but I had an auto S3 when I was 19, insurance not comparable as I switched cars on the policy for final 5 months. When I renewed with 2 years NCD and aged 20 I believe the quote was about £1,900. Switching to the S5 saved me £1000 (still aged 20 at the time).
 

Kayobong

Registered User
Not that these things are comparable but I had an auto S3 when I was 19, insurance not comparable as I switched cars on the policy for final 5 months. When I renewed with 2 years NCD and aged 20 I believe the quote was about £1,900. Switching to the S5 saved me £1000 (still aged 20 at the time).

That's crazy, I would have thought the S5 would have cost astronomically more than an S3, was it an 8P S3?
 

Adam14

Registered User
That's crazy, I would have thought the S5 would have cost astronomically more than an S3, was it an 8P S3?
8V! 2017 S3 Saloon I think it's mainly to do with frequency of S3 thefts and doubt there are many S5 owners in my age bracket as well.

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Bryant1998

Registered User
I wouldn’t worry about that pricing, when I was 19 I got my manual S3 (I wanted manual, it’s just better) and I paid 2.3k for insurance, that was with 2 years ncb, renewal is in 3 weeks, hoping the extra year of ncb helps me


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Kayobong

Registered User
I wouldn’t worry about that pricing, when I was 19 I got my manual S3 (I wanted manual, it’s just better) and I paid 2.3k for insurance, that was with 2 years ncb, renewal is in 3 weeks, hoping the extra year of ncb helps me


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I'd find it hard to justify £2.3k just for insurance to be honest, it seems extreme.
 

SaraS3

Registered User
D.rc
We have all had to pay high insurance in order to gain a good driving record and gain a good no claims discount.
I was paying £1200 in the 80's for an Xr3i as a young driver, my metro was even £500 because it was a first car. Have just renewed a 385 bhp C43 for £227 with 20 years ncb (although they only count 9 I think)
It's something we have all had to do. One good thing about getting older, cheaper car insurance
You will be saying the same thing to a younger chap in years to come.
 
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Kev_B

Registered User
D.rc
We have all had to pay high insurance in order to gain a good driving record and gain a good no claims discount.
I was paying £1200 in the 80's for an Xr3i as a young driver, my metro was even £500 because it was a first car. Have just renewed a 385 bhp C43 for £227 with 20 years ncb (although they only count 9 I think)
It's something we have all had to do. One good thing about getting older, cheaper car insurance
You will be saying the same thing to a younger chap in years to come.

£1200 for an XR3i ? Ouch... In '83 I was 19 and paying £440 for a 3.1 Capri... Ok it was only TPF&T (that was a lot cheaper back then) and not Fully Comp but affordable, especially considering I was only getting 17mpg.... hahaha
And yet, even with only one single claim in all my 39 years of driving (and yes, this only counts as 9+) it has always stayed around this price.... The magic ages of 21, then 25 and then 50, never made the slightest difference.... I felt conned... hahaha
 
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