RST

iTrader: (3)

As above
What sort of money have you insured a Fiesta turbo at age of 18-19?
Cheers Jaiz.

wildheart

iTrader: (4)

I think it was about £800 TPFT when i was 19 but that was 14 years ago!

RST

iTrader: (3)

wish it was that much now loll, a lot of these internet companys come up with stupid price just wondering if it possible to insure one for around 2 grand.

RS Grant

iTrader: (1)

I'd think you'll be around £1200 FC at the very best mate, providing you have 2 years NCB (age 19).

** Edit ** - I'm guessing policies are loaded in London as its a big city, therefore higher crime rate... I'm basing my £1200 on experience, but with a postcode where crime hasn't been invented yet.


Cheers,
Grant

Psycho Warren

iTrader: (5)

IIRC they wanted nearly a grand for TPFT on a fiesta 1.1 when i was 18 which was 10 years ago, so i imagine these days your going to get buggered on a fiesta turbo

AGAR-COSWORTH

For my 1.1 Fiesta three years ago it was costing £1.5K TPFT, with 0 NCB and stored at a safe address (that was when I was 18). I'd imagine with 1-2 years NCB and safe storage, an FRST would be around 1K for TPFT at the same sort of age.

Cheers

Coldo

When i was 19 (3 years ago nearly) on an escort RST, i was £1090 TPFT. No no-claims at that time either. Just 2 years driving as a named driver.

blueskies85

mate at the age of 20 with no years ncb i insured a civic vti for 1750 tpft and then when i got 1 and a half years no claims,,, the same company; quinn insured me on my erst for 546 quid tpft valued at 3 grand... bonus... I know its hard but just get some ncb it counts for so much... go with quinn and they will see you right. they let you change your cars for a day or a month or whatever, very helpful and dont try and scam you.... I phoned flux up to see if they could beat my annual erst quote and they told me it would be double.... ha!
Its hard but fuck paying 200 quid a month... get a year and a half driving a shitter around and then pay 56 quid a month!!!!! billy bonus! Let us know how you get on!

blueskies85

oh and if it helps i always add my girl on my insurance... mainly because im an accident prone idiot and i always have to ask her to drive my car from hospital, when my appendix explodes, i power plane my thigh, I saw through my wrist etc... it lowers my premium no end... she has a lot more years experience than me though... maybe add your mum as a named driver. It helped me when i am layed up and need someone to drive my car home but if anything it may help lower your insurance costs!

RST

iTrader: (3)

Thats my problem been driving for about 20 months first year was on mums insurance, and now im on grandads but on my grandads im with churchill and my grandad said he thinks i might build my bonus with them dont no how true this is????

blueskies85

it is true mate, named drivers on churchill can build there no claims but unfortunately i dont think it is transferrable to another company... some clause i believe I could be wrong though mate. Have you tried confused?

RST

iTrader: (3)

Yea i bet that true you neva win with insurance companys lol.
And no i will give them a try

blueskies85

fooking right mate, give them a try now and i bet that quinn will be the cheapest! It will be mega high to start with but once you get a years ncb under your belt then it will be all good... mine more than halfed!

blueskies85

i reckon you will be looking at about 1500 quid as a ball park figure.. obviously tweak the system a little... low annual mileage, no mods... as long as it aint blatant!

RS Grant

iTrader: (1)

....prob best to give the insurance a miss or insure it as a standard 950cc Popular Plus in that case.

Since wangling the system might provide lower premiums, but should you be forced to claim and they discover the car has done more miles or is modified in any way from OE spec then they'll cancel your policy and you wont get paid out. If they do this and the police have been involved, then you'll be done for no insurance which I think carries a min 6-point penalty and a conviction code that pumps up premiums for the next 5 years.

Insurance companies are a$$holes mate, very quick to take your money, but usually pretty slow at paying out on claims... and they normally use ANYTHING to void a policy and avoid paying out thousands.


Cheers,
Grant

blueskies85

i knew id regret saying the above post and truly i do.. i just know how this guy feels, i really do... as Grant said the best bet is to be honest and i really wish i would have said that in the first place... im at a position now where i just tell my insurance i have got a stage 3 turbo and they go ok that is all noted, thanks..... Sorry i dont advocate any false allegations in your premiums!
Thanks grant for steering this thread back on track mate!

RS Grant

iTrader: (1)

Just re-read my post and I didn't mean to come across like a boring ass... but one of my friends' lass is going through this at the moment and are looking at losing the payout over a backbox she hadn't declared... even though all her other mods are listed, for the sake of a 70quid backbox that had just been fitted, they could be losing 5k+ on the car (total loss).


Cheers,
Grant

blueskies85

no mate you dont sound like a boring ass at all. Unfortunately it is the way insurance companies operate nowadays... its a shame but true! Im glad we tackled it tactfully rather than arguing... sometimes i wish i never advise things and the above post about omitting information was BAD ADVICE! I as im sure you do; no how a young lad feels wanting to drive a nice car.... it is just a fact of life though that you need to build a years ncb up at least before insurance companies will take you seriously! Cheers Grant!

blueskies85

and i feel for your mate, i hope she dont loose the case but insurance companies have got every trick in the book to win! what a shame it has come to this!!!!!

xr_craig

iTrader: (2)

You might well find that you can insure a standard one for less than £2k. I got quoted £1600 FC on a virtually standard one when i was 19 (3 years ago so might be more/less now) Although a lot will depend on use and location etc

RST

iTrader: (3)

Yea i have had this off my dad lol, all his cossies the mods was all down. Like he says "if you was to have bad crash or kill someone your going to be locked up for a long time".
I was thinking if i could find an insurance company, that would let me limit my milege as i only do 50 miles work and back all week and prob another 50 going out seeing mates and stuff. which is not a lot aye.

pa_sjo

When I was 19 I had a FRST and was paying about £1350 fully comp.. although that was over 10 years ago now

blueskies85

well if it is genuine mileage that you do then add it up over the year add another few hundred on for good measure and all is good mate!

RST

iTrader: (3)

just done a on line quote but at the end its says you have to phone them. migh give it a go tomz.

xr_craig

iTrader: (2)

Thats the best bet mate, you might be suprised

Gazzonator

iTrader: (9)

I was paying £1900 quid TPFT when I was 19 on my series 2 RST with all mods declared.

Dont think i'd wanna pay that price on any car now though!

Evey

A friend of mine payed about £2800 to insure his FRST when he was 18/19

Mods not delcared

pa_sjo

So he didn't actually have any insurance then? Way to go!!

rst in breaking

iTrader: (2)

just means they wont insure you lol. i think i had my first frst @ 20 and was around £1500 insured in sussex, i cant see you getting a quote for under 2k tbh, i struggle getting insurance and had a clean lisence too was just down to insurance group and age

rs18sam

I recently got a quote on a rs turbo i'm 23 with 3 years no claims fully comp my quote was £580

rst in breaking

iTrader: (2)

at 22 in london i got £485 with quick fit t/p

ANDYRACER

Adrian Flux, 19 and 2 years driving experience and 0 no claims, they wanted £1500 tpft for a ERST.
That was only 4months ago when i was thinking of selling my celica.

blueskies85

Adrian Flux are not cheap at all mate, in fact they couldnt get anywhere near my 546 erst quote, they wanted double!

ANDYRACER

I used to be insured with Quinn Direct, would rather rub peppers in my eyes than ever re-insure a car with them bunch of wankers.

_SpeedX_

iTrader: (1)

when i was 19 my rs was 800quid insurance (classic policy) i am now 24.

that was either thru quote line direct or adrian flux cant remember!

RST

iTrader: (3)

well i dont mind paying up to 2k and i had some good news today so i think i will be on the look out for a turbo in the new year

blueskies85

quinn are seeing me right! my second year with em and they are really good!

blueskies85

great news mate! good luck and take it easy to start with mate..... turbo's are a bloody handful and the best of times!

ANDYRACER

I just hope to god you never have to put a claim in.

RST

iTrader: (3)

just phoned them and they wont insure me lol but will have to phone around aye nearer the time deffo the car i wont.