Pockets2012

Just looking about on eBay n decided to do a insurance quote on a xr3i cabby standard

3000 a year fully comp
4000 a tpft

Wtf u robbing wankers got fuck you self I'm gonna buy a 125 bike full comp 200 a year

My fez only 1200 and I thought was bad enuf with mods 1900

bagginsRSturbo

iTrader: (1)

I guess you have to accept it as you need insurance, when I first passed my test I was paying £900 on a 1 litre anf I thought thay was bad

Less.

Is that a price comparison site that could be why

tintek

Don't take it so personally. We've all been there. It will be well worth it when you can afford the car you want. I'm now 25 and can only just afford a saff cossie. I can honestly say it has definitely been worth the wait

Rod-Tarry

Insurance is not a charity or a right its a business of insuring risks. You are many times more likely to have a claim than I am, ive 49 years ncb so have earned the right to cheaper insurance. Throwing your toys out of the pram with a tirade of abuse wont change anything the facts are there for all to see.

MrC

I thought you paid over £1000 rod for your saph

With your age I would have thought you'd be charging them for a policy

bigdel

My lad's 19 and he's just insured his new Mk1 Focus RS for just under £1500 for the year.

Shopping around is the name of the game..

3 years ago he was paying £2500 TPFT on a 1.2 Corsa

Pockets2012

Yes that may be but wen you have some old people driving wrong way up the motor way it

It's abit excessive well I think anyways

Yes I know ncb have to be earnt I don't have a problem with that I have a problem with how much it is

The may aswell stop young drivers full stop

Pockets2012

Anyway xr3i 1.6 not like its a cossie or lambo

I can get a 1.7 tddi focus for 1500

And yes it was on comparing website

Pockets2012

Are you on his insurance ?? Has he been driving long ??

bigdel

he's been driving since he was 17 (20 in a few weeks). his insurance has always been in his name so he's racked up 3 years NCB.
His mum's a named driver on the policy, which does bring the price down (more so than if I was a named driver on it!)

Pockets2012

Ahh see it's probs cuz I'm a late bloomer I'm 22 ncb 0 no 1 to go on my insurance to bring down

Cossie.jack

It's bad mate anit it, dreading my insurance next year when I turn 17. Hoping for a mk3 fiesta 1.4 or 1.6 si but dunno tbh

charlie luciano

iTrader: (3)

Gone are the days when you could go on your parents policy like I did when I was 17 and had a rover sdi 3500 v8 which I promptly wrote off I might add

Like already said mate don't get frustrated easier said than done I know but have a shop around you're bound to sort something out

Age can also work against you at the other end of the scale too as my 78 year old mother found out as you get into the over 70 bracket you become as much risk as a younger person, so watch out Mr Tarry your days of cheaper premiums are coming to an end lol

Luciano

Pockets2012

It's perfetic the misses did same quote driving for 10 months herd was 6000 full comp

Tpft 7000

On xr3i man she's driving a astra 1.6 same litre block so wtf and people telling me thus is right no way

Pockets2012

Road wars had loads of old people driving wrong way up motor way n mr t had people driving off peers etc lol

bigdel

we looked at fiesta 1250's when he first started to drive, but they were a little too pricey to insure, that's why we went for the Corsa. it's been a good little car, it's lead a very hard life (been Cat C'd 3 times!), but it served its purpose. Plenty of em out there, and they're a piece of piss to repair.

If you want to drive early, there's not much choice but to bite the bullet for a couple of years until the costs come down a bit.

Pockets2012

Don't mate get something with loads of security bring insurance down

Fur what u want u may find its expensive

My mk4 anit to bad as it cat 2 imoberlizer as standard I didn't even know till I rang fir a price of an cliford alarm 350 for alarm and fitted

Pockets2012

Or buy a cheap shitty car leave on pervisional fir 3 year easy way get ncb lol what my mate did he been restoring a mk2 golf in the mean time while riding a ped

Cossie.jack

I think there group 8 insurance but don't know how high that is for a 17 year old? Dads paying for lessons and mums paying for car and i will have saved 2500-3000 by then. If its not do able then looking mk4/mk5 fiesta or maybe mk3/4 escort! Whatever I get ill fit alarms/imoberlizer

james kiely

iTrader: (5)

insurance company do not like insuring old cars mate full stop ,any kind of tip and it would probably be wrote off dur to lack of new parts left.

shop around ,but we all went through it

im 46 now and my first qoute for a saff cossie back in 1992 was £6000

matts1

Loads of factors come into it mate, your age firstly and lack of experience, many (including my self back then) young drivers are out ragging their motor and having fun but without the experience of what can go wrong and how to avoid or control it, all young drivers think they are perfect drivers and that means they can come unstuck.

They are also more likely to be out all the time driving round unlike older farts who are sat on their sofa of an evening so if you are on the road more, you are more likely to be in a bump.

The type of car, anything raced up or with XR or ST etc in the title is going to cost more. Also types of cars that are pranged more or stolen more will cost more to insure.

The insurance isn't so bothered about the cost of your car, they are bothered about the cost of the damage you may cause - ie your car is worth say £1k, but you write off a £50k Merc.

As said, keep trying different firms and not just rely on compare sites.

As said, insurance is a business, if you were in their shoes, who would you rather cover, a middle aged man with an average car who hasn't had a bump in years, or a fresh driver in an XR? Which is more likely to come and bite you in the ass with a big accident claim?

RichieST

iTrader: (2)

My first car was a proper granddad spec rover 216 gsi, it was pretty dull but would easily see off all my mates in their 106's, novas, ax's etc, and was cheaper to insure.

Just grin and bear it, I'm 30 now and my old 300 bhp focus ST I could insure for £350 fully comp all mods declared.

Pockets2012

Well of u have that much get a 54 plate fiesta get the mk3 fezz or what eva u allway wanted by spares or repaires and do it as a project that's what I'm doing I got my silvertop with all wiring from the mondeo etc I'm currently striping down to rebuild and once build gonna decide for defo what it's going in ATM plans are for the fezz but unsure

MrC

Get a mk1 fez on classic. Nuff said

Pockets2012

Fair point but if I was in there shoes I would give everyone a chance first time say 1k average 2k max as long it's not bigger than 1.8 with no mods each crash goes up say 300 or summit not hit with 3k or 6

But that's me living in a dream world

Pockets2012

That be nice lol

Cossie.jack

That's a good plan but don't really have the space to keep two cars

Pockets2012

I dread to get a quote

Pockets2012

Get a garage there some near me 150 disposit 12 pound a week

Council are from 8 pound a week

So have alook round

Carlos-Titx

Wait till you're 31 with full NCB no points or out and pay £1200 for a mondeo tdci! Then you can start moaning

Pockets2012

Ur joking wtf u must have a 1300 bhp engine in that

bigdel

dodgy area..

Carlos-Titx

Liverpool post codes are horrendous!

Pockets2012

Must be have herd of that before

More motors that get stolen from that area or post code make it a high risk

But I rang an insurance company about my ped once asked why it was more expensive than a crosser they said the ped more easy to steel lol

Urm don't think so sum how a crosser cut ignition wires scrap steering lock and either bump it or kick start it drive it away

Peds are nearly the sane but are less Likely to get robbed as no one want a ped the want a crosser

BRAMMER

iTrader: (23)

Theirs a pretty good reason why it's high for younger drivers, statistics show they are a big risk. Just drive smaller cars until you have a few good years NCB under your belt, annoying but we've all been there.

BigChuck

if your moaning abut the price of a standard xr3i, how the hell are you going to insure what ever car you put that engine in?

bob a

It is all relative I am afraid.

I thought the same about insurance when I started driving 34 years ago.

I got insurance for an MG Midget 31 years ago and it cost me 400 tpft. A hell of a lot of money then, but as I realised if I wanted to drive sporty cars, as it was then, I had to pay the price for it.

gingerturbo

iTrader: (2)

What you got to understand is your trying to insure a car that used to get knicked and written off on a daily basis, just keep shopping around m8

I pay just over 2k a year for my traders insurance and I'm nearly 30 which is a joke

MrC

Try SK postcodes, it was car crime hotspot here, remember when they used to have xcars in tv?? Yeah that was in stickport highest car crime in the country lol