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Young people and fast cars, and insurance

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Old 19-02-2005, 10:04 AM
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GOT2BZETEC
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Default Young people and fast cars, and insurance

Like who is the youngest cossie owner?
Anybody have a fast car before they could drive on the road etc?

Im only 16, 17 in 2 weeks but sofar i have had 10 cars, including a 2.8i capri, not that quick but loads of fun and a xr4i. Just wondered

Also what is the most you have paid for insurance?
Old 19-02-2005, 10:09 AM
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Stavros
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Why you owned 10 cars even when you aint even old enough to drive on the road?
Old 19-02-2005, 10:10 AM
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i'm 21 and have had numerous XR4x4's, some of them turbo flavoured, now have a late K plate smokestone cossie.

but my daily driver has in excess of 1200bhp
Old 19-02-2005, 10:20 AM
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GARETH T
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i had a esccos when i was 20
Old 19-02-2005, 10:20 AM
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handles like its on rails too
Old 19-02-2005, 10:23 AM
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Graceland
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Originally Posted by Itsmeagain
handles like its on rails too
Old 19-02-2005, 10:37 AM
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james_birch
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Originally Posted by GARETH T
i had a esccos when i was 20
jelous! thats just so wrong!!

good on ya tho

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Old 19-02-2005, 10:40 AM
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Stavros
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I had my 3door Cossie at 20.

How the fuck you afforded to buy a EscCos at 20 i dont know
Old 19-02-2005, 10:50 AM
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Christian and Beccy
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Even though I passed my test at 17, I didn't own my own car until I was about 23!! PMSL. I am 30 now and still own a Mk4 Escort.
Old 19-02-2005, 10:59 AM
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Had an XR3i at 18 which was a killer on insurance nevermind a cossie! 1500pounds tp only as it was first policy! (paid less for the car!) Had a cossie at 23 which was 1200pounds tpft, first policy again as the 3i ony lasted 7 weeks before the engine was destroyed. Now have a Lexus at 24 and paying 200pounds fully comp.

No there isnt a typo or any false information in the above statement
Old 19-02-2005, 11:28 AM
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I had a Saph Cossie at 20, my mate had an Escos at 18 no shit and another mate had a saph cossie at 19 Insurance is a bit cheaper over here
Old 19-02-2005, 12:01 PM
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er i race stock cars, so i have had 4 mini's, (loads of fun) i bought a 2.8i capri, planning on racing it but i sold that, er so i bought this xr4i insted, i have another xr4i for pats and the shell er 2 escorts, my road car. and a pug 306 that my mate crashed so i gave him 100 for it. Lucky considering some of my mates aint even aloud a car
Old 19-02-2005, 12:44 PM
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GARETH T
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How the fuck you afforded to buy a EscCos at 20 i dont know
just saved/worked/loaned
Old 19-02-2005, 12:45 PM
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if things go according to plan then i'll have a cossie when i turn 21 this year. just concentrate on getting your bonus up until you get to your 20's!
Old 19-02-2005, 01:30 PM
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im gonna move to guernsey if its cheap lol
ive not had a car yet, soon to be learning ive been doing a few quotes and im getting silly prices, i might just stick to my good ol 2 legs at this rate
Old 19-02-2005, 01:38 PM
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paid 2300 quid for insurance on my cossie at 22 years old(just come off a ban!)
Old 19-02-2005, 04:06 PM
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bought my sapph 4x4 when I was 19.
first quote I got was around Ł13-14000 punds.

now I pay Ł5-600 a year. (20 years old)
insurance system in norway is different though... we insure the car not the driver.
Old 19-02-2005, 04:19 PM
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14k on insurance!!!
Old 19-02-2005, 04:23 PM
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I got my saff when i was 19
Old 19-02-2005, 04:30 PM
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Gaaables
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got my shaff when i was 20, escort cos at 21
Old 19-02-2005, 05:16 PM
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Impressive stuff, i will just try not to crash till im like 19/20, besides farm insurance is cheap, one of my mates is payin 1k for insurance on like a 1.1 but iv got insurance on a 1.6 16v for 485.!
Old 19-02-2005, 05:20 PM
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I'm 22 at the moment and I have Escort Cossie for two years now

I still can't have it insured fromtheft/crash demage for resonable money :-(
Old 19-02-2005, 05:34 PM
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I am 17 and got quoted last month Ł2600 for a standard rs turbo with only an exaust and dump valve on my own policy (3rd party) which i very nearly bought, but yes, I will be happy to pay that kind of money for the car Ive wanted since I was 5 years old. My ex of a year and a half got his evo 5 when he was 18 but insured a nova on a "any other car 3rd party" policy which allowed him to drive the evo, quite a good idea really as hes now 20 and still doing it

Even though I was only 16 I used to get to drive it out back roads and shit which was cool, not many people learn in a shiney white evo!
Old 19-02-2005, 06:07 PM
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Well
i was stood with the cash in my hand to buy a cossie today

and i called the insurance company to get them to start a policy...

they said,,, cant ask the underwriters on a weekend,,sorry,, you cant have it..

other insurance companies were equallly as shit
Old 19-02-2005, 06:47 PM
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i bought my 25,000 mile 3dr when i was 20, although i was turning 21 a couple of weeks after i bought it, lol.

Mike
Old 19-02-2005, 07:04 PM
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Default Re: Young people and fast cars, and insurance

Originally Posted by GOT2BZETEC
Like who is the youngest cossie owner?
is your name shaggy by any chance?
Old 19-02-2005, 07:15 PM
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LMFAO @ That last statment
Old 19-02-2005, 07:22 PM
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my mate dan_rs bought his 3dr cozzie at 19

the fucking twat
Old 19-02-2005, 08:28 PM
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im after getting a cossy by the time im 21 but an 1985 audi quattro ur with a 2.2 5cyl turbocharged engine is just a bit more tempting specially with a quote of Ł1543,

Old 20-02-2005, 04:29 PM
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I was 19 when i had my FRST and 21 when i got the cos
Old 20-02-2005, 04:39 PM
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im 20 and got an escos
Old 24-02-2005, 06:00 PM
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i,m 20 and iv,e got an escos
Old 24-02-2005, 06:51 PM
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I have owned 6 s1, 4 s2 by the time i was 22 then got a escort cossy and still have it.
I worked very hard, became the boss and by the time i was 21 was taking home very good money.
I have paid up to 2800 to insure my s1 at 18 ,lots of mods though. mind you it was 7 years ago.
Old 24-02-2005, 06:57 PM
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Originally Posted by Julia
My ex of a year and a half got his evo 5 when he was 18 but insured a nova on a "any other car 3rd party" policy which allowed him to drive the evo, quite a good idea really as hes now 20 and still doing it
I don't think that is legal Might get away with it up until the point he smacks it and his insurance co tell him to bugger off.
Old 24-02-2005, 07:08 PM
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agreed - makes me sick when he can do that and im stuck with massive premiums on my own policy. if you want a fast car then insure it yourself!!
Old 24-02-2005, 07:13 PM
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just turned 20 when i bought my sapp and it cost 1900 to insure (two years ago)
Old 24-02-2005, 07:43 PM
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Originally Posted by Oranoco
Originally Posted by Julia
My ex of a year and a half got his evo 5 when he was 18 but insured a nova on a "any other car 3rd party" policy which allowed him to drive the evo, quite a good idea really as hes now 20 and still doing it
I don't think that is legal Might get away with it up until the point he smacks it and his insurance co tell him to bugger off.

it isn't. the evo would have to be previously insured by someone else to do this
Old 24-02-2005, 07:59 PM
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1st car (i was 18... took me a year to pass my test ) was an XR3i

i paid THREE THOUSAND POUNDS to insure that third party only

stupid? FUCK YES

my next car (whilst i was still 18) was a 2.9L twin turbo XR4x4

i didn't actually tell the truth to the insurance company as it was costing an arm and aleg to insure it as a STANDARD car

now i'm 21 and ive got a saph cossie replica and that costs me 1k a year to insure


my advice (having done it) is to NOT get a high insrance group car for at least the 1st year youre driving... its just NOT worth it.
Old 24-02-2005, 08:59 PM
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Got my saff at 23,had S1 RST,Pug 205 etc prior to that. Turned 32 last August and still got it!
But it's got a Boxster keeping it company in the garage now.
Old 24-02-2005, 09:23 PM
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called HIC Today to get a quote for a saph cossie im wanting..

they said
HIC WONT insure you on a cossie unless you

Are over 22
have more than 2 years NCB
Have 1 year or more experience driving a cossie. !!

FFS.

other companies didnt want to know if i said it had 17" wheels.
so god knows what they will say when i mention 300+ bhp..


will try a few more tomorrow, but things aint lookin so hot.

unless its a completely standard cossie, then i can get insured for 850.

(im 24 BTW with 5 years NCB and no points or anything)


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