Who's paying most insurance

[Slam Wagon]

now im on a modified policy its just me. could really do with dac to be able to use the misses and dads car. they wont tell me why they wont allow it though.

[Nathan1305]

I cant add anyone to my policy without adding hundreds

Yeah it's weird how for some people it adds money and for others it reduces there premium

[Niall]

now im on a modified policy its just me. could really do with dac to be able to use the misses and dads car. they wont tell me why they wont allow it though.

Age more than likely. Most wont give it to you until you are 25

[Daniel306]

£399.74 for a 2.4 TD hilux and about the same for my 2.0 136hp 307

[Nathan1305]

£399.74 for a 2.4 TD hilux and about the same for my 2.0 136hp 307

Crazy what being older or having a licence longer does to the price

[Daniel306]

Near 25 now so the price dose drop, but the most iv ever paid for a year is no more that 1000

[underground375]

Ive always had stupidly high premiums. Turning 25 in 7 weeks, it best go down !

[puglove]

God some of these a unbelievable !!!! S/C 6 £520 1 years ncb ..... 2.5 TD discovery £430 with 6 years ncb @ 24

[Josh1994]

The 6 was a higher engine?? How much did you pay for the gti6 insurance and was that with 1 yrs no claim bonus? I looked yesterday and for my hdi they wanted £2150 was the cheapest with 1 yrs no claim..

Why on earth do you have a modified, relatively high insurance group car as the first you're insuring if insurance is that ridiculously high?!

its only the suspension that is modified, without miss it's still £260 so it hasn't changed it massively I'm still paying a stupid amount, my 1.4 was £230 so it hasn't changed much

& colour-coded interior, and a different steering wheel with no airbag, and an aftermarket head unit, and different-coloured wheels, and carbon-wrapping, and you're fitting a boost gauge, still got the aftermarket filter?

I'm not trying to be a dick at all, but if you are in an accident the insurers will try not to pay out if they notice these, and your insurance in the future won't come down, which would suck.

I'm only 22, I spent my first year driving a 1.1 8v 106 and didn't modify it, and stayed out of trouble and the next year I could insure a gti-6 for less. If it is any consolation, the car is looking good and the quality of the white painting on the interior bits looks good!

[Piggy]

Seriouy josh...sort your quote/posting out!!!! I keel thinking you have the longest sig!

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God some of these a unbelievable !!!! S/C 6 £520 1 years ncb ..... 2.5 TD discovery £430 with 6 years ncb @ 24

How can you have a different NCB on two policies for yourself?!

Surely a combo policy be cheaper for you mate as they take into consideration that you cant be driving both at the same time?!

[pugdan95]

Yeah I'm being raped I've only had my licence for 5 months so I guess that's one reason

Mate you are being raped I pay £73 a month for my 2.0 HDI and I only passed my test last week

[RetroPug]

When I got my first car I'd already had a foreign license for a year which gave me no no claims bonus but did make it cheaper than just passing my test. Got the 106 when I was 20, then at 21 got a gti-6 and paid 1200 to insure it for a year with 1 year's ncb, then the next year paid 800 to insure a gti6 with 2 years ncb and being 22, and soon I'll be 23 with 3 years so hoping for a further reduction!

It's all about getting those first 1 or 2 years under your belt.

The 6 was a higher engine?? How much did you pay for the gti6 insurance and was that with 1 yrs no claim bonus? I looked yesterday and for my hdi they wanted £2150 was the cheapest with 1 yrs no claim..

its only the suspension that is modified, without miss it's still £260 so it hasn't changed it massively I'm still paying a stupid amount, my 1.4 was £230 so it hasn't changed much

& colour-coded interior, and a different steering wheel with no airbag, and an aftermarket head unit, and different-coloured wheels, and carbon-wrapping, and you're fitting a boost gauge, still got the aftermarket filter?

I'm not trying to be a dick at all, but if you are in an accident the insurers will try not to pay out if they notice these, and your insurance in the future won't come down, which would suck.

I'm only 22, I spent my first year driving a 1.1 8v 106 and didn't modify it, and stayed out of trouble and the next year I could insure a gti-6 for less. If it is any consolation, the car is looking good and the quality of the white painting on the interior bits looks good!

[Nathan1305]

Yeah I'm being raped I've only had my licence for 5 months so I guess that's one reason

Mate you are being raped I pay £73 a month for my 2.0 HDI and I only passed my test last week

Holy shit who you with?

[Josh1994]

I wonder why then... Because of the age im only 20 with ncb, i should have one if they let me go from fleet to private..



[quote='RetroPug' pid='459561' dateline='1407059003']
When I got my first car I'd already had a foreign license for a year which gave me no no claims bonus but did make it cheaper than just passing my test. Got the 106 when I was 20, then at 21 got a gti-6 and paid 1200 to insure it for a year with 1 year's ncb, then the next year paid 800 to insure a gti6 with 2 years ncb and being 22, and soon I'll be 23 with 3 years so hoping for a further reduction!

It's all about getting those first 1 or 2 years under your belt.

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Is that better piggy?? Lol... I was in a rush so couldnt be bothered as im on my phone and not a computer..



[quote='Piggy' pid='459536' dateline='1407046745']
Seriouy josh...sort your quote/posting out!!!! I keel thinking you have the longest sig!

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[Toms306]

Oh dear...that's worse!

[Josh1994]

Mate you are being raped I pay £73 a month for my 2.0 HDI and I only passed my test last week

How old are you aswell, i had my license for two years now..

[pugdan95]

Mate you are being raped I pay £73 a month for my 2.0 HDI and I only passed my test last week

How old are you aswell, i had my license for two years now..

Im 19 and with insurethebox who just measure my mileage and not my driving behaviour thank god

[Nathan1305]

Mate you are being raped I pay £73 a month for my 2.0 HDI and I only passed my test last week

How old are you aswell, i had my license for two years now..

Im 19 and with insurethebox who just measure my mileage and not my driving behaviour thank god

Fair enough, I just had a look and it said I can't get a quote because I've modified my car

[bigcheez2k3]

Problem with being so young/new to driving is the companies that insure most of us for modded cars won't look at you til you're a certain age/have at least 1 years NCB.

[Nathan1305]

Problem with being so young/new to driving is the companies that insure most of us for modded cars won't look at you til you're a certain age/have at least 1 years NCB.

Yeah it sucks, hopefully it goes down when I have a years NCB

[aggyj17]

I pay £335 a year with Brentacre on the 205 190bhp limit, engine swap and all mods declared and have 6 points aswell :-)

[welshpug]

£300 on the E34 525 TDS, no ncb, as that was all on the 205 gti which was also £300, will have 9 years on one policy and 1 year on the second by the end of the year.

[Josh1994]

I would of had one yrs if only they would allow it..

Problem with being so young/new to driving is the companies that insure most of us for modded cars won't look at you til you're a certain age/have at least 1 years NCB.

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Cheers mate, hopefully i can have a look at a quote, how many no claims have u got? 1 or 2? And just to be sure is it just the milage they check and nothing eles..

Mate you are being raped I pay £73 a month for my 2.0 HDI and I only passed my test last week

How old are you aswell, i had my license for two years now..

Im 19 and with insurethebox who just measure my mileage and not my driving behaviour thank god

[pugdan95]

I would of had one yrs if only they would allow it..

Problem with being so young/new to driving is the companies that insure most of us for modded cars won't look at you til you're a certain age/have at least 1 years NCB.

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Cheers mate, hopefully i can have a look at a quote, how many no claims have u got? 1 or 2? And just to be sure is it just the milage they check and nothing eles..

How old are you aswell, i had my license for two years now..

Im 19 and with insurethebox who just measure my mileage and not my driving behaviour thank god

Only passed me test 22nd of July so I've got zero no claims I did it via confused.com and on a 10,000 policy with me dad as a named driver and yep I read the full terms and conditions it says the box monitors all aspects of driving but your monthly premiums will always be the same as when u first brought the policy no matter how u
drive

[Nathan1305]

I would of had one yrs if only they would allow it..

Problem with being so young/new to driving is the companies that insure most of us for modded cars won't look at you til you're a certain age/have at least 1 years NCB.

---

Cheers mate, hopefully i can have a look at a quote, how many no claims have u got? 1 or 2? And just to be sure is it just the milage they check and nothing eles..

Im 19 and with insurethebox who just measure my mileage and not my driving behaviour thank god

Only passed me test 22nd of July so I've got zero no claims I did it via confused.com and on a 10,000 policy with me dad as a named driver and yep I read the full terms and conditions it says the box monitors all aspects of driving but your monthly premiums will always be the same as when u first brought the policy no matter how u
drive

Fair enough I just tried it but they won't give me a quote because it's modified

[Josh1994]

Ok mate will have a look cheers.

Im 19 and with insurethebox who just measure my mileage and not my driving behaviour thank god

[/quote]

Only passed me test 22nd of July so I've got zero no claims I did it via confused.com and on a 10,000 policy with me dad as a named driver and yep I read the full terms and conditions it says the box monitors all aspects of driving but your monthly premiums will always be the same as when u first brought the policy no matter how u
drive
[/quote]

[puglove]

Seriouy josh...sort your quote/posting out!!!! I keel thinking you have the longest sig!

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God some of these a unbelievable !!!! S/C 6 £520 1 years ncb ..... 2.5 TD discovery £430 with 6 years ncb @ 24

How can you have a different NCB on two policies for yourself?!

Surely a combo policy be cheaper for you mate as they take into consideration that you cant be driving both at the same time?!

Because iv had 2 policies for a few years. Even when i had multi car insurence it was still 2 policies each with its own set of NCBs & both of them are with adrian flux now and they do take into consideration that i cant drive both ..... But kerry is on both so they actually could both be driven at the same time

[philpemberton94]

Thats an insane amount! Who are you with? Im 19 and paying £125 a month fully comp on my d turbo, only been driving since end of February

[Nathan1305]

Thats an insane amount! Who are you with? Im 19 and paying £125 a month fully comp on my d turbo, only been driving since end of February

I'm with admiral, what about you?

[philpemberton94]

Im with LV, cheaper to insure my dt than 1.2 polo