ROFL

[James]

omg i am so sorry... But you when you guys say

'I have problems insuring my car'

Well let me put this into perspective for you haha.

An 17 year old,
vtr mk2
17 inch alloyes
Full bodykit
Sports Exhaust

Budgetunable to quote for modified vehicles
Dial Directunable to quote for modified vehicles
Insureandgounable to quote for modified vehicles
Its4Meunable to quote for modified vehicles
Kwik-Fit Insuranceunable to quote for modified vehicles
Norwich Union Directunable to quote for modified vehicles
Screentradeunable to quote for modified vehicles
Churchillinsurer opted out. click name for info
DIRECT LINEinsurer opted out. click name for info
TESCOinsurer opted out. click name for info
ESUREinsurer opted out. click name for info
SAINSBURYSinsurer opted out. click name for info


Now lets take a deep breath because someone is going to insure me right? Yes i am right.

Admiral£6402.90

*goes and crys in a corner*

[dsh85]

fooking hell mate! have you tried quinn direct they seem alrite

[James]

Yea i tried them with no mods declared and i got 2300, But i need to ring up and ask them for a quate with the modifications.

[bear_westy]

hmmmm, seems reasonable for what your asking them...

what the f**k did you expect??

[dsh85]

well its a long shot but if u cant fnd anywere decent you could possibly trade or swap for a furio without a bodykit and keep your wheels to help the cause?

[James]

hmmmm, seems reasonable for what your asking them...

what the f**k did you expect??



4 - 5 grand i will pay, But 6 and a half grand thats double the cars value. I expected them to give me a realistic quate...

[azzaweston]

try www.screentrade.co.uk very cheap for me

[azzaweston]

could ya let me know what quote your given. thanks smileys/smiley17.gif

[Dan]

Try bell.co.uk try an add you mum or gf on the policy as that will bring the premium down. smileys/smiley2.gif

[James]

Screentradeunable to quote for modified vehicles

Thanks and i will try that dan, smileys/happy.gif

[sillysammysnail]

thats very harsh!!!

i'm fine with my 1.1 payin 600!!!

6400, thats well harsh!!! you could put deposit on a flat for that!!!

[Simo]

Try elephant... cheap as chips. Just hope you never need to talk to them smileys/smiley17.gif

[James]

lol why is that simo?

[Graeme]

try www.screentrade.co.uk very cheap for me

dont do modds matey!!

[stevossaxo]

you would pay 4grand insurance, your mad mate

[Tony_Jay86]

Most 17 year olds have brains & start off with a clio 1.2, saxo 1.1, etc, sorry to say but you must be mad if you want to get insured on a 1.6 8 valve vtr at only 17, you must have more money then brains.

[James]

Most 17 year olds have brains & start off with a clio 1.2, saxo 1.1, etc, sorry to say but you must be mad if you want to get insured on a 1.6 8 valve vtr at only 17, you must have more money then brains.

That may be the case....

[Tony_Jay86]

Ive got a 1.1 saxo & iam 19, iam putting a full vt* bodykit on it, got my pass plus & hoping my insurance comes to about £800, if i was you mate, i would get rid of the vtr & maybe go for a furio or westcoast & then get a vtr once youve got some no claims to your name, but then again you could get your mum or dad as the main driver, should be alot cheaper that way & thats what most new young drives do these days.

[sillysammysnail]

tried get my rents to put me on insurance so i could get better car but they had none of it!!! jus get a lil car!!! too much power is a killer!!!

[keeko17]

i would also suggest selling the vrt for a 1.1

[bear_westy]

it wouldnt be too bad if it wasnt modified thats where his problem is not the fact that its a vtr...for me a vtr was like £1700 to insure and westcoast £1000

[Certi]

Did you not think to get quotes for insurance before you put the kit on? smileys/smiley5.gif

[Yates]

what if you just take the kit off and put it standard, standard will look much better anyway!

have to say your crazy if you are willing to pay 4/5 on a car which you say is worth half of that

plus its a well known fact that almost every one has a bump scrape or bad crash after they have just passed, do you really want to crash it when forking out loads of insurance which will put in higher, sell it and get a furio at least

[SteVTR]

smileys/smiley3.gif you'd pay 4-5 grand on insurence for a saxo i wouldnt even pay that on a scooby or a evo

feel sorry for younger drivers now it wasnt that bad a few years ago when i passed only cost me just over a grand on a vtr at 17 smileys/smiley4.gif

not many places will touch people under 19 now n even most of them wont touch modded cars or will only cover certain mods i'd put it back to standard mate

[Sean]

i must say mate, you're a bit simple if you didn't get quotes before you bought/modified the car, and as for being prepared to pay 4grand for insurance... what do you plan to do in a years time when 1 years NCB only brings it down from 4grand to around £3500... smileys/smiley5.gif
add one of your parents to your policy. i added my girlfriend's mum and now pay £258 fully comp on a vtr smileys/smiley14.gif

[SteVTR]

add one of your parents to your policy. i added my girlfriend's mum and now pay £258 fully comp on a vtr smileys/smiley14.gif

sean you old git wish my insurance cost as little as that

my mate tried adding his mam to his policy n they were going to put it up n she has no points or claims either

[Sean]

sean you old git wish my insurance cost as little as that


told them about my planned 16v engine too, they only want another £80. only catch is if i crash then they'll return it back to standard ie 8v engine.

[SteVTR]

sean you old git wish my insurance cost as little as that


told them about my planned 16v engine too, they only want another £80. only catch is if i crash then they'll return it back to standard ie 8v engine.

very jellous now

[Sean]

lol, don't be jealous, phone Bell Direct and add your mum or dad to you policy. they do modifications but in the event of an accident will only return the car to standard.

[SteVTR]

tried them they were about the same as HIC who i'm going with next year n HIC are abit more laid back about engine mods etc

[azzaweston]

im 17 and have a 1.4 furio on my mums, car is modified and my quote woz £689 fully comp

[SteVTR]

im 17 and have a 1.4 furio on my mums, car is modified and my quote woz £689 fully comp

thats on your mams insurence though mate which means your just a named driver so you wont build up any no claims bonus loads of lads i know do that and are driving around in CTR's etc thing is in a few years time when they go on thier own policy they wont be able to insure much more than a vtr anyway

[Benjaminge]

I am 18 with no no claims and i got insured on a vts with my alloys, lowering, ICE and induction kit declared and i pay 2300 fully comp with pass plus with quinn.

Also found that puttin my mum as a named driver saved me a pound which i can use for modifications smileys/smiley17.gif

[James]

Well i havent got any quates with my grilfriend or my mother on the insurance. Also that was full comp, Im going to try adding a me mother to the insurance and see how much it drops by then,

Ill also see how much it is 3rd party fire and theft... But no offence to those who want to critisize me.. If i can afford to pay it I will...

You may call me stupid or mad but its my life and ill live it how i wish.. I mean none of you even know me to even be saying that i cant afford to pay 4-5k on insurance. So leave me be and if you wish to help then i will happily take any contructive help like (someone giving me a link to a good insurance company for instance).

But anyway this is all i have to say... Thank you for those who have give me the links.

(sean i arn't a bit simple i just know what i want in life smileys/smiley17.gif,)

[James]

Well i just got some good news.

Bell are willing to insure me for 3,200. Thats a damn site better then i expected. Thats me as the main driver as well smileys/happy.gif.

[adamsax]

I've been driving 1 year, 1 month and 30 days and have had 2 cars. My first car was a Nova 1.3 SR that cost me £50 smileys/smiley3.gif Insurance on that with PassPlus was £1800 smileys/smiley3.gif smileys/smiley3.gif smileys/smiley3.gif

Yes it stang, but under my own name I knew I was building up my N/C bonus.

In March this year I was going over a roundabout when a 50yo TWAT pulls out and goes straight in the side of me. Although blatently innocent, I lost my N/C bonus and PassPlus as I was the 'stereotypical' 17yo 'Boy-Racer' and he was the 'respectable' 50yo with about 20 years N/C bonus. I have since lost all faith in any sort of fair justice.....

But, things were looking up.......

After 3 years hard saving (as the Nova was a stepping stone) I brought a MINT 1.4 Westcoast. After adding a Clifford CAT1 G5 Alarm my insurance was £1250 TPFT (elephant.co.uk) after driving 1 year, CAT1, and having PassPlus re-instated (at least I got that back after big ball-ache)

So, although it might not hold alot of 'street-cred', start small, crash the shitter, become more experienced, build up YOUR OWN N/C bonus and move on to bigger and better things mate.

smileys/smiley20.gif

[peebee]

lol i got a cheaper quote on a supra twin T at ur age! ok it was 5k! but 6k!!!!! smileys/smiley3.gif

[James]

PeeBee that was admiral, Ive shoped around since and got it down to 3200. I dont think thats so bad considering what ive got on it!.

I also got quates on,

Getting it lowered,
Window tints,
Uprated Brakes,
Interior Re-Trim

The final quate ended at 3,842 or something like that!

[gafvts]

have you tried adrian flux mate,cos for some reason mine was cheaper with mods than it wasn't without(no idea why).they seem to be very good

[peebee]

fair! smileys/smiley17.gif

[Sean]

Cloud- you might not be simple but no-one in their right mind would pay that for insurance. like steve said, i wouldnt pay that to insure an evo or a cosworth, never mind a saxo vtr.

[Tony_Jay86]

Dont use the internet to get quotes, they rip you off, i get quotes on my 1.1 saxo & the cheapest i found online was £2k, now which 19 year old lad with pass plus would pay £2k insurance on a 1.1 saxo, no1 would.

Get a list of phone numbers together & get ringing around, you'll soon see the prices drop, use £3,200 as your guide line, if they ask if you have already had a quote say *yes, i had a quote of £3,000 fully comp* that way iam sure they will knock a few quid off & once you have rang around a few insurers iam sure you'll get a decent price.

[James]

Thanks tony_jay86,

Ill be sure to do that on thursday when im off work. Got to love holidays smileys/happy.gif

[Tony_Jay86]

If you have a car magazine such as fast car, max power, reline etc, turn to the back & look threw the insurance page, you should get alot of numbers from there & theres a very small fraction that specialize in young drivers with modified cars, if you dont have a magazine then you could go out & buy one, or you could let me know & i'll give you all the numbers if you want.

[James]

I have a couple of magazines with numbers etc.. Cheers for the offer though. I will be sure to do this at the first chance i get. Thanks

[Chris_VTS]

dont tell em about mods>?

[Graeme]

dont tell em about mods>?

that would be clever!! smileys/smiley5.gif smileys/smiley8.gif

as advised before just ring around, and im sure someone will insure you!!

[tgazvtr]

im going with elephant, im 19 with a vtr 1 years ncb and pass plus, my g/f who is 22 is also on the insurance for a total of £1000 smileys/smiley4.gif

[Sidesport]

Most 17 year olds have brains & start off with a clio 1.2, saxo 1.1, etc, sorry to say but you must be mad if you want to get insured on a 1.6 8 valve vtr at only 17, you must have more money then brains.

Im 17 and have you heard about my car? My insurance is also less than a thousand pounds smileys/smiley2.gif

[SteVTR]

wasnt calling you simple mate or saying you couldnt afford was just pointing out them quotes are stupidly expensive for lots of cars way faster n nicer than a vtr

i'd ring round the companies instead of getting online quotes aswell speaking to someone on the end of the phone usually gets you a better quote than an online one also if its costing that much to insure why dont you go on your parents insurence till your 19 n try again when more companies will cover you n it will be cheaper

[jonnosaxo87]

Chris - We've ALL heard about your car, we want pics!