insurance on 1.6 vtr

[salter08]

hi guys, new to the forum im coming up 17 soon and have been looking at online quotes and the cheapest i got is around about 5.5k which is ridiculous! just wondering if anyone has any tips to get cheap insurance and which are the best companies to go with? cheers.

[Ashleyp]

hi guys, new to the forum im coming up 17 soon and have been looking at online quotes and the cheapest i got is around about 5.5k which is ridiculous! just wondering if anyone has any tips to get cheap insurance and which are the best companies to go with? cheers.

option A: dont get a VTR at 17. get a 1.1, then save up for a VTS
Option B: get a VTR, be prepared to be arse raped for insurance, and wish you owned a VTS

unfortunately, insurance is a killer for 17 year olds (and for good reason too)

so you either have to like it or lump it im afraid!

welcome to the forum btw dude! :)

[MickyWelsh172]

Best tip, start at the bottom and work your way up!

I learnt the hard way, lost my license as i was driving on dads insurance, me named driver as my quotes were like you said when i was 18.

Dad never renewed insurance, and i got pulled 10 days out of date!

Should have started with a 1.1 Desire or the likes to get a few years NCB mate

Just my opinion

[salter08]

I have already bought my vtr mate :/ so looks like ive got to pay a ridiculous amount to insure her! cheers for the replies lads.

[MickyWelsh172]

That works out around £450-£500 per month ffs! Well if youve got the money to do that, then fair play

[salter08]

yeah well good job i work i spose got to spend it on sometihng ;)

[MickyWelsh172]

haha when you look at it like that, why not eh

[salter08]

thats the way im looking at it ha, ill get some pictures up of her soon :)

[Ashleyp]

Honestly mate, if I were you, I'd sell the car.

A; VTRs aren't that good
B, are you sure that amount of money on insurance is worth it? I could think of a LOT of good things to spend that money on and happily bike / walk / drive a slower car

[Vtr_max]

at 17 on a VTR, i dunno i guess depending on your postcode etc, expect to be paying a good 2500-3000 prob, i was a named driver on a corsa for a year, no i wasnt fronting, now i can get quotes for a VTR for 1400, best thing you can do really, and save up your money, but its your money - depends on how much you want a 1.6 ... 1.4 furios look just as good and will prob save you a ton of moneys

[MickyWelsh172]

you say that max, but somehow i was getting quoted more for a Furio than for what ive just got my vtr on???

Work that out if you can?

[Morgzc]

at 17 on a VTR, i dunno i guess depending on your postcode etc, expect to be paying a good 2500-3000 prob, i was a named driver on a corsa for a year, no i wasnt fronting, now i can get quotes for a VTR for 1400, best thing you can do really, and save up your money, but its your money - depends on how much you want a 1.6 ... 1.4 furios look just as good and will prob save you a ton of moneys

Got quoted more on a 1.1 than on my vtr. Then when the vtr died my premium only went down by £100.

[mlawlan69]

you can hardly be earning that much money at 17 surely, your barely out of fucking school.

end of the day, paying £500 a month on insurance makes you a mug, pure and simple.

sell the VTR and use the money you will be saving to buy a decent car come renewal time

[salter08]

im earning just over a grand a month mate, got lucky with my job ha ;) what else am i going to spend it on? ill keep it for 2-3 years then get better :)

[Ashleyp]

im earning just over a grand a month mate, got lucky with my job ha ;) what else am i going to spend it on? ill keep it for 2-3 years then get better :)

just to confirm:

a grand a month isn't much, nothing worth bragging about.

if insurance is £5k, then your expenditure...

£416 each month insurance
£200 a month petrol (work / social use etc [unless you live really close to work so can walk])
parts for cars if it breaks / modifications.
food etc
social life / nights out
other hobbies
savings for things of importance in life.

thats over £600 gone just on petrol and insurance, before everything else!

then throughout the year - holidays, tax, MOT, tyres etc etc

1k can go pretty quick... if youre crazy / rich / stupid enough to blow all of the above on an average car, then good luck to you sir :)

[salter08]

for a 16 year old a grand a month is pretty good, considering most people my age dont have jobs as there's shit all about, but yeah i can see where your coming from it is always going to be a struggle for the first year i know that, but i just didnt fancy getting a poxy 1.1, 1.2 and my mates brother was seeling the car and i thought yeah why not ha :)

[Ashleyp]

i'd rather have a poxy car and a social life ;)

Granted, it's a fair amount of income for your age, but in the real world, it's nothing - especially when you own / wish to modify a car. I've been there and done that when i was at 6th form (my insurance was a hell of a lot less than yours) and it was a struggle even when i was working quite a lot of hours during term time / full time hours during holidays. fortunately, i've wised up and sold all of my car mods and can afford 3 or 4 holidays this year :)

[salter08]

ha i will be able to have a social life, my car has got modifications which is a plus and i wont be going on holiday til im 18 anyway, i will just have to keep ringing up different insurance companies and see what best deal i can get :/

[anton_sax_machine]

Just sell your vtr and get a 1.1 there is no point in getting a vtr when your 17 owning it a week coming of the road smashing it up and thats your money wasted... more to the point i agree with Ashleyp there's no way you gunna run a vtr (properly) on a grand a month!

[Ashleyp]

ha i will be able to have a social life, my car has got modifications which is a plus and i wont be going on holiday til im 18 anyway, i will just have to keep ringing up different insurance companies and see what best deal i can get :/

running a car is more expensive than you think...

theres always bits that you'd like to do / need to do - especially with a saxo.

when i was 17, before i really ever went out to pubs etc, i used to spend a lot of my time driving, spending over £50 a week on petrol was nothing, and that was when it was just over £1 a litre.

+ youre only 16, driving lessons arent cheap.

like i say, fair play if you wish to waste that amount of money on an average car. My advice to you is to sell up and not do it, and thats speaking from experience. I've had the displeasure of spending most of my money on cars, and the displeasure of owning a VTR.

[Mochachino]

Work your way up as people have said. A VTR isnt worth that premium, if you are adamant on spending so much on insurance at least insure a decent car. A VTS, but then unless you have alot of driving experience before, a VTS' power will be abit stupid, no matter how mature you think you are when it comes to driving. Let alone the running costs.

£1000 income is nothing either thats only £12k a year and that before tax.

[salter08]

hmmm well thanks for the comment/ advise i will seriously think about what you have said, cheers :)

[Ashleyp]

£1000 income is nothing either thats only £12k a year and that before tax.

out of 12k

id assume 8k roughly is going on the saxo (insurance £5000, petrol £2400, tax £180?, mot £40, service £50, tyres, parts etc)

£8k per year is a LOT to spend on a saxo...

puts it in perspective a little more?

[salter08]

yeah i have tried to ignore that ill hardly to able to afford it as i love the car but got to wake up i need to look at a small car :(

[Mochachino]

Bout time someone took the advise of the 'been there done that' members!

[barwell1992]

best tip get ure lisence then DONT BUY A CAR !

get full bike license get a restricted 600 ride that for 2 years then go to insure car and bingo its closer to 2k

my full power 650cc bike is £450 a year fully comp car is 2.5k TPFT ....

[Lukus-vtr]

best tip get ure lisence then DONT BUY A CAR !

get full bike license get a restricted 600 ride that for 2 years then go to insure car and bingo its closer to 2k

my full power 650cc bike is £450 a year fully comp car is 2.5k TPFT ....



I'll second this.

I were seriously considering this untill you think about Snow/Ice/Rain. Especially with the winter we just had, it about destroyed my mini, god only knows what it would have been on a bike :(

Certain Death.

I've been driving my mini for a little under a year and i've owned my saxo VTR for a few months and I havn't been able to drive it because my insurance company want 5 k!

So when renewal comes the mini will be off the road, and I can finally drive my VTR (with a different insurer), if you want, just get a little cheap run about and Save your VTR for next year. Theres no reason to sell. If you have the space, just save it :) That's what I did. Hopefully your quotes will be a little more acceptable. Mine will be £1400 for the VTR, and my mini's insurance was £1000 for my first year. Deffinately worth it, get a little slow 1 or 1.1 litre and you'll save a load of money!!

[barwell1992]

^ to be honest wasn't that bad but iv been riding for 3 years now, so could be a bit scary if it was the first year, rain aint a problem its just the ice (snows fine)

[Sean_VTR]

I'm 18 and pay £3000 a year insurance for my VTR, it's my first car, insurance goes down to £1800 in August when I'm 19 with a years no claims, when I look back at how much I'm paying, it's not really worth it as a first car. May aswell do what I wish I did and get a 1.1 litre and then when you're 19/20 get a VTR/S and that way you're more likely to not have to pay pathetic insurance prices...

[Ashleyp]

Bout time someone took the advise of the 'been there done that' members!

plus one

[f13sta]

you must be mad, didn't you even look at insurance groups before buying the vtr? its insurance group 15. bear in mind a furio is group 11 so the 4 less groups so will be quite alot cheaper, i'm 19 (almost 20) and i did a quote yesterday for my furio and a vtr

furio £810 fully comp
vtr £1030 fully comp

and i've been driving 3 yrs almost cat b area post code but no no claims (were sharing my mk2 fiesta with my mum so i were a named driver ( NOT ADVISED)

personally i will only go fully comp never any others i'd rarther pay a little more.

the above prices are with both my parent as named driver and me as a main driver.

personally i;d rarther have the furio as is stupidly economical, i get 350 miles untill the light comes on round town, i did 140 mile round trip on less than £20 when fuel was 1.33 per ltr. cheaper insurance, only thing that annoys me is if you get s 2001 onwards furio you'll be paying the same road tax as a vtr.

i;v never had a problem with my furio been really reliable all throughout the winter we just had never missed a beat and it's got 133K on the clocks (full service history)

seriously mate get rid of the vtr and get at least a furio/westcoast, get a few year no-claims and then get a vtr/s. if your worried about your mates cars being faster if your all 17 then they'll only have stuff like 1.2 corsa's so a furio will be quicker anyways so still no need for a vtr ;)