Cossie insurance for 20 year olds, affordable?

Shorty · 10-04-2009, 03:35 PM

Just a quickie while i am sitting here pondering.

Next year i am going to be 20 with 2 years NCB on my insurance and i am feeling the urge for a Cossie to use as a toy after being in Divas this week, i forgot how much fun they are.

But, what would the insurance be like on one? Affordable? I will be 20 with 2 years NCB living in a L post code area (Liverpool).

If it will be silly money then i will scrap the idea until i am older and just get something else, probably another German car, a boring Audi.

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Kev83 · 10-04-2009, 04:25 PM

easily in excess of £1200

steve252 · 10-04-2009, 04:31 PM

Quote:

Originally Posted by Kev83

easily in excess of £1200

think more of double or tripple that price at 20. most insurers wont take you on till ur 21....

Altratz · 10-04-2009, 04:33 PM

when i was 20 i paid £2000 3rd party fire theft that was 9 years ago so it wont be any better now i would imagine. save your cash and wait for the right time mate

WongRS · 10-04-2009, 04:58 PM

i couldn't insure one untill i was 21, and i live in an area where it makes the headlines if a squirrel crosses the road.

ANDYRACER · 10-04-2009, 05:04 PM

Im the same as WongRS.

Ive scraped the idea for a year, and waiting till im 21.

WongRS · 10-04-2009, 05:05 PM

its worth the wait, think i was 21 when i got mine, and maybe 22 when i insured it

Rick Astley · 10-04-2009, 06:06 PM

You WILL find someone to insure you but I gaurantee you that same company will be heavily into buggary!!

XRT_si · 10-04-2009, 06:10 PM

East London postcode (averagely bad), 23 with 3 years no claims on a RWD Saff was £1200 third party f&t for me last year.

Shorty · 10-04-2009, 07:02 PM

Yeah think i will be waiting. Not in any rush, just thought if the insurance was affordable i would think about getting one.

Audi it is then. Lol.

SelbyRST · 10-04-2009, 07:07 PM

soory off topic, but shorty did you get my pm about your injectors? the 55s.

Shorty · 10-04-2009, 07:40 PM

Yeah mate sorry they are all sold.

I might be getting some more soon, i will let you know if i do.

mgbrs · 10-04-2009, 07:56 PM

try peter best insurance fella

Mike Kerbey · 10-04-2009, 08:01 PM

im 20 with full ncb (3) and im paying £2000 fully comp with mods. so it is do-able

Saaamon · 04-05-2009, 11:27 PM

Had a quote at 19 with 2ncb for £2000 tf&t.

cozmeister · 04-05-2009, 11:37 PM

I got mine when I was 21, don't think I had any no claims at the time as my CD player was robbed 8 months previous. My insurance, fully comp, was £1500ish.

cossynath · 05-05-2009, 01:17 AM

I pay £1500 mate have done since i was 22 now 24 paying the same not gone down for me

cossie*mad! · 05-05-2009, 08:42 PM

£2000 is not that much money paid monthly - i'd get one as soon as possible - you never no whats round the corner, and you don't want any regrets in life...I got one at 20 and it was the best thing i ever did!

seans saff · 10-05-2009, 05:02 PM

i was 21 when i brought/insured my 4x4 saff it cost £1020 fully comp with 1 yr no claims and 5 points

now with 2 yr no claims and 22 yr old its £680 fully comp car left on drive and 4k miles limited

Shorty · 10-05-2009, 05:18 PM

Quote:

Originally Posted by seans saff

i was 21 when i brought/insured my 4x4 saff it cost £1020 fully comp with 1 yr no claims and 5 points

now with 2 yr no claims and 22 yr old its £680 fully comp car left on drive and 4k miles limited

Thats very good!

Sadly though, i live in a Liverpool (L) post code, so insurance is higher for us Scousers!

Will have to look into it the end of the year.

mgbrs · 10-05-2009, 08:48 PM

3 years no claims, fully comp on classic insurance, with peter best insurance, limted to 8k a year, agreed value at 6k, and i pay...............£332

:con tent:

Shorty · 10-05-2009, 08:55 PM

Quote:

Originally Posted by mgbrs

3 years no claims, fully comp on classic insurance, with peter best insurance, limted to 8k a year, agreed value at 6k, and i pay...............£332

:con tent:

Yeah, how old are you though? 50?

Mike Kerbey · 11-05-2009, 12:32 PM

Quote:

Originally Posted by seans saff

i was 21 when i brought/insured my 4x4 saff it cost £1020 fully comp with 1 yr no claims and 5 points

now with 2 yr no claims and 22 yr old its £680 fully comp car left on drive and 4k miles limited

Whos that with mate? Sounds bloody resonable! Mines up for renewal next month so will give them a try...

2wdsapph · 11-05-2009, 02:41 PM

11yrs ncb 3pft £550 limited to 2k per yr liverpool post code and i'm 37 although on classic as 2nd car its £200

sponghead · 11-05-2009, 10:11 PM

Right here's an idea for all. I am insured on a multi car policy with Footman James.

The deal is I have to have a minimum of 3 cars of which the majority must be classics. So my garage consists of a y reg 998cc Nissan Micra. A standard 2wd Saph Cossie and a heavily modified rally spec 86 Mini (proper one not BMW).

I am 37 and pay £428 fully comp for all 3 cars for my wife and me to drive unlimited mileage. The beauty of this is as its classed as classic insurance no NCD is required.

The policy is based on the Micra and the fact that a group 20 car is on the policy does not come in to it. I was that shocked with the price quoted I asked for confirmation in writing at the time.

Might be something you youngsters could look at. You could acquire 2 rubbish cars put them on sorn and declare them off the road for renovation.

This may help some of you older guys as well. I reduced my yearly insurance from over £1400 saving nearly a grand a year.

seans saff · 12-05-2009, 07:02 PM

Quote:

Originally Posted by Mike Kerbey

Whos that with mate? Sounds bloody resonable! Mines up for renewal next month so will give them a try...

firs year was with greenlight now im with sureterm direct on a 4x4 policy got the quote through gocompare.com it came up as £232 fully comp but when i paid for it online they rang me back sayin there was sum error so after some argueing i got it for £680 which is still £250 cheaper than greenlights renewal

Mike Kerbey · 13-05-2009, 10:26 AM

Just recived a quote off greenlight, and I must say I doubt it will be beaten. Going to have a ring round the other insurance companies on here and see what they say this afternoon.

xr_craig · 13-05-2009, 12:49 PM

No one would touch me on mine at 20. Went with greenlight at 21 for 1450fc all mods declared

c.h.r.i.s · 13-05-2009, 01:09 PM

Looks like its going to be another eh mate

joffy · 13-05-2009, 01:27 PM

i know its not quite the same but when i was 18 i was payin £1300 on and astra GSi, was only group 15(i think) but i did have quotes of up to £4000, worth shopping around you might get a mega deal, but as everyone else has said, i doubt it lol

smila · 13-05-2009, 01:30 PM

im 24 and ipay £450 fully comp with 5years no claims,(saff 4x4 coss)

teahan · 17-05-2009, 09:57 PM

people in the uk are so lucky, forget about a cossie till you're 25 in the republic of ireland i'm afraid!!! the funny thing is the insurance is reasonable then (1100 euro or so), go figure...

CRAIG HAYTER · 18-05-2009, 08:46 AM

try and get under classic insurance if you can?i think it will be a high though i was 20 when i had my sccoobie i was 2300 quid 3 party

i still paid it

i wanted to get a cossie but no insurance company would take me on till i was at least 21 and as soon as i hit 21 i had my(sold now) sapphire cosworth outside

i was out all night and day rubbering work so i could go sideways

Mike Kerbey · 18-05-2009, 11:55 AM

I have thought about classic insurance. Under a classic policy can you use the car everyday as a commuting car? or is it quite limited to the amount of usage etc?

BIG WULL · 18-05-2009, 03:44 PM

4x4 saph, garaged, cat 1 alarm, tracker, very limited mileage, SD&P Fire and Theft only with no mods was £1550 with swinton when I was 20 (clean licence). Makes a slight difference if you have owed the car for a few years and your mother is a named driver... just an idea

CRAIG HAYTER · 18-05-2009, 04:38 PM

Quote:

Originally Posted by Mike Kerbey

I have thought about classic insurance. Under a classic policy can you use the car everyday as a commuting car? or is it quite limited to the amount of usage etc?

use can use it daily

well i did with the 3 door

moesin2005 · 18-05-2009, 05:23 PM

got quoted between £500 and £2000 on confused and the company i am with on my series 1 would not qoute me on one and i am 34 with full bonus

DanCossie · 18-05-2009, 05:29 PM

i paid £5000 for my Cossie when i got it at 18 with 0 no claims lol....wat a mug i was lol

SassyRS · 19-05-2009, 09:39 AM

I have never paid over 900 for cossie insurance, but now im old its more around the 400 mark

kosman · 19-05-2009, 06:15 PM

im 26,no ncb on the saff,all mods declared,5k miles a year,6k value its 300 on classic insurance

10-04-2009, 04:33 PM	#4
Altratz PassionFord Regular Garage is empty, add now Trader Score: (0) Join Date: Jul 2006 Posts: 352 Rep Power: 6	when i was 20 i paid £2000 3rd party fire theft that was 9 years ago so it wont be any better now i would imagine. save your cash and wait for the right time mate __________________

10-04-2009, 04:58 PM	#5
WongRS PassionFord Post Troll 1990 Ford sierra Trader Score: (11) Join Date: Jun 2007 Location: Oswestry, Shropshire Posts: 3,213 Rep Power: 8	i couldn't insure one untill i was 21, and i live in an area where it makes the headlines if a squirrel crosses the road. __________________ Dan. M.A.Developments 500 spec engine, GT30, Autronic, 1000cc injectors, ST Inlet ETC.....

10-04-2009, 05:05 PM	#7
WongRS PassionFord Post Troll 1990 Ford sierra Trader Score: (11) Join Date: Jun 2007 Location: Oswestry, Shropshire Posts: 3,213 Rep Power: 8	its worth the wait, think i was 21 when i got mine, and maybe 22 when i insured it __________________ Dan. M.A.Developments 500 spec engine, GT30, Autronic, 1000cc injectors, ST Inlet ETC.....

10-04-2009, 06:10 PM	#9
XRT_si PassionFord Post Whore!! Garage is empty, add now Trader Score: (2) Join Date: Mar 2005 Location: London Posts: 5,125 Rep Power: 12	East London postcode (averagely bad), 23 with 3 years no claims on a RWD Saff was £1200 third party f&t for me last year. __________________ 1968 Mk2 Cortina - Zetec turbo - 329bhp at 14psi so far... Classic Fords FTW!

10-04-2009, 07:02 PM	#10
Shorty PassionFord Post Whore!! Garage is empty, add now Trader Score: (1) Join Date: Oct 2005 Location: Liverpool Posts: 4,994 Rep Power: 11	Yeah think i will be waiting. Not in any rush, just thought if the insurance was affordable i would think about getting one. Audi it is then. Lol. __________________

10-04-2009, 04:25 PM	#2
Kev83 2.1 ZVH build underway... Garage is empty, add now Trader Score: (0) Join Date: Mar 2009 Location: Nottingham Posts: 165 Rep Power: 3	easily in excess of £1200

10-04-2009, 05:04 PM	#6
ANDYRACER The more turbos,more fun! Garage is empty, add now Trader Score: (0) Join Date: Sep 2007 Location: Stockport. N.W. Posts: 1,137 Rep Power: 6	Im the same as WongRS. Ive scraped the idea for a year, and waiting till im 21.

10-04-2009, 06:06 PM	#8
Rick Astley Never gonna give you up! Garage is empty, add now Trader Score: (0) Join Date: Sep 2004 Location: Location: Location: Location: Location: Posts: 5,726 Rep Power: 13	You WILL find someone to insure you but I gaurantee you that same company will be heavily into buggary!!

10-04-2009, 07:07 PM	#11
SelbyRST 4x4 SAFF Garage is empty, add now Trader Score: (2) Join Date: Apr 2007 Location: Nottingham Posts: 659 Rep Power: 5	soory off topic, but shorty did you get my pm about your injectors? the 55s.

10-04-2009, 07:40 PM	#12
Shorty PassionFord Post Whore!! Garage is empty, add now Trader Score: (1) Join Date: Oct 2005 Location: Liverpool Posts: 4,994 Rep Power: 11	Yeah mate sorry they are all sold. I might be getting some more soon, i will let you know if i do. __________________

10-04-2009, 07:56 PM	#13
mgbrs Regular Contributor Garage is empty, add now Trader Score: (0) Join Date: Jan 2009 Location: stoke-on-trent Posts: 252 Rep Power: 4	try peter best insurance fella

10-04-2009, 08:01 PM	#14
Mike Kerbey Too many posts.. I need a life!! Garage is empty, add now Trader Score: (1) Join Date: Jan 2008 Location: Banstead, Surrey Posts: 936 Rep Power: 5	im 20 with full ncb (3) and im paying £2000 fully comp with mods. so it is do-able __________________ Got OCD? 450BHP YB Build thread...Voluntary donations welcome

04-05-2009, 11:27 PM	#15
Saaamon I've found that life I needed.. It's HERE!! Garage is empty, add now Trader Score: (2) Join Date: Feb 2008 Location: Essex Posts: 1,412 Rep Power: 6	Had a quote at 19 with 2ncb for £2000 tf&t.

04-05-2009, 11:37 PM	#16
cozmeister More boost Igor! Garage is empty, add now Trader Score: (1) Join Date: Jun 2005 Location: In my Cosworth Posts: 3,098 Rep Power: 10	I got mine when I was 21, don't think I had any no claims at the time as my CD player was robbed 8 months previous. My insurance, fully comp, was £1500ish. __________________ Microsoft Certified Professional Norfolk RS Owners Club - www.rsnorfolk.co.uk

05-05-2009, 01:17 AM	#17
cossynath The Daddy Garage is empty, add now Trader Score: (1) Join Date: Dec 2008 Location: Stoke Posts: 276 Rep Power: 4	I pay £1500 mate have done since i was 22 now 24 paying the same not gone down for me __________________ Check out my escos resto http://passionford.com/forum/restorations-rebuilds-and-projects/276284-escort-cosworth-underside-and-engine-bay-resto-continued-back-on-road.html

05-05-2009, 08:42 PM	#18
cossiemad! Fucked On Race Day!! Garage is empty, add now Trader Score:* (0) Join Date: Sep 2006 Location: south east Posts: 149 Rep Power: 6	£2000 is not that much money paid monthly - i'd get one as soon as possible - you never no whats round the corner, and you don't want any regrets in life...I got one at 20 and it was the best thing i ever did! __________________ WHEN THE FLAG DROPS, THE BULLSHIT STOPS.

10-05-2009, 05:02 PM	#19
seans saff Part of the Furniture Garage is empty, add now Trader Score: (0) Join Date: Sep 2008 Location: stoke on trent Posts: 189 Rep Power: 4	i was 21 when i brought/insured my 4x4 saff it cost £1020 fully comp with 1 yr no claims and 5 points now with 2 yr no claims and 22 yr old its £680 fully comp car left on drive and 4k miles limited __________________

10-05-2009, 08:48 PM	#21
mgbrs Regular Contributor Garage is empty, add now Trader Score: (0) Join Date: Jan 2009 Location: stoke-on-trent Posts: 252 Rep Power: 4	3 years no claims, fully comp on classic insurance, with peter best insurance, limted to 8k a year, agreed value at 6k, and i pay...............£332:con tent: __________________ your not here for a long time, ya here for a good time!

11-05-2009, 02:41 PM	#24
2wdsapph Virgin Garage is empty, add now Trader Score: (0) Join Date: Mar 2009 Location: Liverpool Posts: 10 Rep Power: 0	11yrs ncb 3pft £550 limited to 2k per yr liverpool post code and i'm 37 although on classic as 2nd car its £200

11-05-2009, 10:11 PM	#25
sponghead 15000 1988 Ford Sierra Sapphire My Garage Trader Score: (0) Join Date: May 2009 Location: Nuneaton, Warwickshire Posts: 36 Rep Power: 0	Right here's an idea for all. I am insured on a multi car policy with Footman James. The deal is I have to have a minimum of 3 cars of which the majority must be classics. So my garage consists of a y reg 998cc Nissan Micra. A standard 2wd Saph Cossie and a heavily modified rally spec 86 Mini (proper one not BMW). I am 37 and pay £428 fully comp for all 3 cars for my wife and me to drive unlimited mileage. The beauty of this is as its classed as classic insurance no NCD is required. The policy is based on the Micra and the fact that a group 20 car is on the policy does not come in to it. I was that shocked with the price quoted I asked for confirmation in writing at the time. Might be something you youngsters could look at. You could acquire 2 rubbish cars put them on sorn and declare them off the road for renovation. This may help some of you older guys as well. I reduced my yearly insurance from over £1400 saving nearly a grand a year. Last edited by sponghead; 11-05-2009 at 10:16 PM.

13-05-2009, 10:26 AM	#27
Mike Kerbey Too many posts.. I need a life!! Garage is empty, add now Trader Score: (1) Join Date: Jan 2008 Location: Banstead, Surrey Posts: 936 Rep Power: 5	Just recived a quote off greenlight, and I must say I doubt it will be beaten. Going to have a ring round the other insurance companies on here and see what they say this afternoon. __________________ Got OCD? 450BHP YB Build thread...Voluntary donations welcome

13-05-2009, 12:49 PM	#28
xr_craig PassionFord Post Troll Garage is empty, add now Trader Score: (1) Join Date: Oct 2003 Location: East Yorkshire Posts: 3,259 Rep Power: 12	No one would touch me on mine at 20. Went with greenlight at 21 for 1450fc all mods declared __________________

13-05-2009, 01:09 PM	#29
c.h.r.i.s PassionFord Post Troll Garage is empty, add now Trader Score: (0) Join Date: Apr 2006 Location: Wigan Posts: 2,773 Rep Power: 8	Looks like its going to be another eh mate __________________

13-05-2009, 01:27 PM	#30
joffy SLOW LEARNER Garage is empty, add now Trader Score: (0) Join Date: May 2006 Posts: 1,319 Rep Power: 7	i know its not quite the same but when i was 18 i was payin £1300 on and astra GSi, was only group 15(i think) but i did have quotes of up to £4000, worth shopping around you might get a mega deal, but as everyone else has said, i doubt it lol

13-05-2009, 01:30 PM	#31
smila I've found that life I needed.. It's HERE!! Garage is empty, add now Trader Score: (1) Join Date: Feb 2008 Location: wednesbury,west midlands Posts: 1,166 Rep Power: 6	im 24 and ipay £450 fully comp with 5years no claims,(saff 4x4 coss) __________________ keep old fords alive!!!!!!

17-05-2009, 09:57 PM	#32
teahan Wahay!! I've lost my Virginity!! Garage is empty, add now Trader Score: (0) Join Date: May 2009 Location: ireland Posts: 73 Rep Power: 3	people in the uk are so lucky, forget about a cossie till you're 25 in the republic of ireland i'm afraid!!! the funny thing is the insurance is reasonable then (1100 euro or so), go figure...

18-05-2009, 08:46 AM	#33
CRAIG HAYTER BANNED BANNED Garage is empty, add now Trader Score: (0) Join Date: Sep 2007 Location: Far away from you so it doesnt matter Posts: 4,382 Rep Power: 0	try and get under classic insurance if you can?i think it will be a high though i was 20 when i had my sccoobie i was 2300 quid 3 partyi still paid iti wanted to get a cossie but no insurance company would take me on till i was at least 21 and as soon as i hit 21 i had my(sold now) sapphire cosworth outsidei was out all night and day rubbering work so i could go sideways Last edited by CRAIG HAYTER; 18-05-2009 at 08:47 AM.

18-05-2009, 11:55 AM	#34
Mike Kerbey Too many posts.. I need a life!! Garage is empty, add now Trader Score: (1) Join Date: Jan 2008 Location: Banstead, Surrey Posts: 936 Rep Power: 5	I have thought about classic insurance. Under a classic policy can you use the car everyday as a commuting car? or is it quite limited to the amount of usage etc? __________________ Got OCD? 450BHP YB Build thread...Voluntary donations welcome

18-05-2009, 03:44 PM	#35
BIG WULL Fae the Dale Garage is empty, add now Trader Score: (5) Join Date: Aug 2007 Location: Scotland Posts: 897 Rep Power: 5	4x4 saph, garaged, cat 1 alarm, tracker, very limited mileage, SD&P Fire and Theft only with no mods was £1550 with swinton when I was 20 (clean licence). Makes a slight difference if you have owed the car for a few years and your mother is a named driver... just an idea Last edited by BIG WULL; 18-05-2009 at 03:45 PM.

18-05-2009, 05:23 PM	#37
moesin2005 Regular Contributor Garage is empty, add now Trader Score: (0) Join Date: Mar 2006 Location: blackpool Posts: 309 Rep Power: 6	got quoted between £500 and £2000 on confused and the company i am with on my series 1 would not qoute me on one and i am 34 with full bonus

18-05-2009, 05:29 PM	#38
DanCossie Post Whore 2004 BMW M3 Trader Score: (1) Join Date: Sep 2007 Location: Camden Posts: 6,464 Rep Power: 11	i paid £5000 for my Cossie when i got it at 18 with 0 no claims lol....wat a mug i was lol

19-05-2009, 09:39 AM	#39
SassyRS Little Miss... 2009 Ford Focus Trader Score: (0) Join Date: Apr 2004 Location: up north a little lol Posts: 21,055 Rep Power: 29	I have never paid over 900 for cossie insurance, but now im old its more around the 400 mark __________________

19-05-2009, 06:15 PM	#40
kosman sideways all the way! Garage is empty, add now Trader Score: (0) Join Date: Sep 2008 Location: derbys Posts: 7,720 Rep Power: 14	im 26,no ncb on the saff,all mods declared,5k miles a year,6k value its 300 on classic insurance __________________ Deluded Old Jibber Jabber - Dojj's Blog, Appreciation Society! Member Number 4!

19-05-2009, 06:15 PM
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