samsamz

Right the other day i passed my test an there was a disscusion abouit how much my insureance was as its £4500, well ive just swopped my insureance over to my dads car which is a v6 vectra because the xr2 is goin in to hav a new sill an my insureance has gone down a grand :S how does this work

steves24V's

iTrader: (7)

xr2 is classed as a hot hatch so they will sing young drivers for anything llike that plus can't believe you pay that my insurance

samsamz

but the vectra is a hatch aswell an thats the cheapest i could get it

DanW@FastFord

iTrader: (1)

Because you're a named driver on his insurance and not your own??

Psycho Warren

iTrader: (5)

noooooo, a vectra is a large family saloon car with a hatch style boot. Thats certainly not the same as a "hot hatch" which is a fast small hatchback car.

Thats why a vectra is cheaper to insure as its a barge.

samsamz

im on my own insureance

DaveZS

Newer car, less of a 'boy racer' image, better security, better safety rating etc...

Loads more factors to an insurance premium than just how quick something is.

martysmartie

iTrader: (1)

As said any hot hatch especially fast fords are deemed high risk and as such due to your age coupled to the fact you have just passed your test = a high insurance premium, the car you have at the moment is not hot just got a 2.5 V6 or 3.2 if new model engine and as said isn't a hot hatch rather a saloon, at the other end of the scale is sports saloons which insurance is high on.

Martin

DanW@FastFord

iTrader: (1)

So is it your car, or your Dad's? It's crazy if you've both got insurance running on the car.

cossiegreg1

cos xr2 is group 14 ins.
a vectra will be about a group 9-10

p.s xr2 is a twocers dream