How much is your insurance?

[Ross]

Bet you all sighed when you saw the thread title. :D Fear not, it's not a generic 19 year old asking about a VTR. It's poll time ;)

Please vote in the poll above. You don't have to post in the thread (but I don't care either way, so banter is fine :p)

Doesn't matter what your age or other insurance affecting circumstances are, I'm just interested in the ANNUAL premium. I don't care about what you drive, or where you live. Just tell me the price ;)

If you're on a 10 month accelerator (more fool you) take your 10 month "annual" price, divide by 10, then times by 12 to get the answer I want.

If you don't pay annually, please take your monthly premium and times by 12 for the poll figure above!

Cheers fellas!

[devilsadvocate]

£500 (ish) Fully Comp
5 Years NCB Protected

Seems to go up every year though until I shop around and then manage to get it slightly cheaper or exactly what I paid the year before.

[jasonmayall]

£1100 - 21 from Birmingham and im insured on a BRM.

Pretty wounded as i was paying £800 for my VTR before.

[Randyransford91]

For anyone interested:

£1500 3rd Party fire, theft.

Saab 9-3 Vector 1.9TID (150)

[Giraffe]

For anyone interested:

£1500 3rd Party fire, theft.

Saab 9-3 Vector 1.9TID (150)

Holy forkin sheet! Seriously? How long you been driving?

[saxova]

£972 fully comp

mods declared + drink driving.

[Randyransford91]

Holy forkin sheet! Seriously? How long you been driving?

Serious! Oh i am only 20. Should drop £500 next year, I hate insurance...

[smiith]

Ross, why more fool you for been on a 10 month accelerator? Not that i am like, i just always thought they were decent?

£750ish for me

23, declaring 17 points when i did my insurance :)

[Viper]

£3,200

S15 Spec R

23. Driving since 17. 1 driving ban.

[Brettles1986]

£3,200

S15 Spec R

23. Driving since 17. 1 driving ban.

More money than sense comes to mind.

No way would I pay a sum like that to drive.

[smiith]

£3,200

S15 Spec R

23. Driving since 17. 1 driving ban.

WHAT ON EARTH did you get banned for? Surely you couldn't break a speed limit in the 1.5D?!

[blackie_2k5]

Ross, why more fool you for been on a 10 month accelerator? Not that i am like, i just always thought they were decent?

£750ish for me

23, declaring 17 points when i did my insurance :)

They are a rip, but do help you build ncb slightly quicker lol

[Mr_P]

They are a rip, but do help you build ncb slightly quicker lol

I did it for a few years. It cost me around £10-£15 on top of my annual premium. I achieved 3yrs NCB 6 months earlier than it would have taken. Saves you a fair whack in the long run.

Oh, and I can use mine with any company. As I know some are non-transferable.

[christoph]

Seems i have the most expensive so far! oh joy :n:

[Ross]

I did it for a few years. It cost me around £10-£15 on top of my annual premium. I achieved 3yrs NCB 6 months earlier than it would have taken. Saves you a fair whack in the long run.

Oh, and I can use mine with any company. As I know some are non-transferable.

This. 90% are non-transferable.

"so, you've two years NCB, and you're 18 years old yeah? Hmmm".

[Ross]

just to piss you all off, mine (on the gti) is:

£230 p/a.
400bhp, all mods declared. Agreed value of £10,000. "Like for like" on parts. 6 points (SP30 and SP50).

[jones91]

£1400 a year all mods declared, 21, 3 yrs no claims

[Tommo87]

More money than sense comes to mind.

No way would I pay a sum like that to drive.

Not being funny but have you seen what he drives?? You have to pay to play. Personally I don't think that's too bad considering the car it is and the fact there is a ban in the equation.

[MuZiZZle]

just to piss you all off, mine (on the gti) is:

£230 p/a.
400bhp, all mods declared. Agreed value of £10,000. "Like for like" on parts. 6 points (SP30 and SP50).

who is that through? I now feel like I'm being bummed on the VTS!

[saladdodger]

just to piss you all off, mine (on the gti) is:

£230 p/a.
400bhp, all mods declared. Agreed value of £10,000. "Like for like" on parts. 6 points (SP30 and SP50).

How old are you and why so cheap for such a modded car.

Not pissed off, we all get pretty much different quotes, just interested dude

[saladdodger]

VTR - £530 fc with all extras bla bla bla - im 35 with 10 yrs ncb

Live in rough area

[Giraffe]

£550 fully comp on my Volvo, 4 years NCB

[TomT]

I lied for a laugh.

[Brettles1986]

Not being funny but have you seen what he drives?? You have to pay to play. Personally I don't think that's too bad considering the car it is and the fact there is a ban in the equation.

Yeah fairplay it's a lovely car but no way could I justify an insurance premium like that unless it was (A) a supercar or (B) money was no object

[jimmyboy]

clio v6
24 yr old
£1100 fully comp
all mods declared
up to 20k per year
4 yr no claims

[matt_vtr_15a]

23 years old
4 years NCB
£800 fully comp on a 2007 clio 197..

with 1 x sp30 and 1 x driving whilst on the phone...

[rey]

21
4NCB
CU80
Fully comp
£840ish

[wicked-vtr]

Not being funny but have you seen what he drives?? You have to pay to play. Personally I don't think that's too bad considering the car it is and the fact there is a ban in the equation.

It's only a s15 bro, nice car no denying, id have got one if I could afford one. But on the other hand got quoted a grand less than thay on a skyline gtr and im only 21.

Iirc mine is around £850 fully comp, with windscreen, breakdown ect ect. Mods declared on a s14a

[matt_vtr_15a]

My mate has an s14a running over 680bhp with s15 front end and wide arches on it, all mods declared it would cost him £2k to put on the road...

He thinks that's steep, couldn't pay that premium unless it was a supercar...

[W103_A5H]

Fully comp on my Celica, been driving for just under 2 years with 3 years no claims is just over £1300. Before some asks, got 1.5 years while learning to drive then passed my test half way through my 2nd policy. It didn't take me that long to learn, I just didnt do much lessons but had the car insured just incase some fucker smashed it/stole it!

After seeing some of the prices on here for the cars you run it annoys me becuase mine is still quite high. Not that I cant afford it, I just wish I had more money to run a faster car and not have to worry about the MPG :n:

As for the price of Vipers S15, isnt that to do with something like they are more expensive to repair if you smash them up, with parts being more expensive than the average car? Correct me if im wrong.

[vtectransplant]

£600p/a declaring everything including the silly RWD conversion. :)

[L33h]

Im 23 driving a audi a3 a.8t

been driving 5 year. got 1 clam and 2 years NCB

£1,300... shit

[rey]

Im 23 driving a audi a3 a.8t

been driving 5 year. got 1 clam and 2 years NCB

£1,300... shit

Fuck that.

[L33h]

Not bothered. its remapped and alsorts that they dont know about so its alot faster then standard lol.

Worth payin the extra for tbh.

Ive done a quote on a 1.1 saxo and its still 700 quid.. pft

[lewismonteith]

£1150 18 with a quicksilver

Sent from my GT-I9100 using Tapatalk 2

[Tommo87]

£500 roughly on a 20 yr old 1.6 Civic.

[maddison_vts]

£3,200

S15 Spec R

23. Driving since 17. 1 driving ban.


Holy shit!!!!

Not sure who's the clown, the insurance company for charging it or you for paying it :fcuk:

[EwynSaxo]

Paying 750 a year on the astra was 800 for the gti with mods declared

[Lionsden]

Just over £300 FC on a 2.8td 4x4

[Luke_coleman]

£1500 on a vts at 21...lost my no claims last year :(

[Baz]

Was £400 on the Furio with lowering, wheels and exhaust declared.

£500 on the ST with exhaust declared.

Both FC
24 yr old
2 no claims
7 years exp
£100 excess

[ed-bradley]

£1108 FC
20years old
1 years NCB
Licence held for 3 years

Civic EK4

Living on the Isle of Man has its benefits.

[ad_77]

just under 400 quid a year on the mx5

[Jazz]

£517 on a 2009 Type R, FC my own policy.

24, 5yrs NCB.

[Prickle]

£1100 ish own policy

22
No crashes
No points
4NCB
03 VTS.

I went up from a 1.0 to a 1.6 so that maybe why. i did a quote on the old 1.0 i had not long after i got insured on the VTS and it came to £500 so it must of affected it..

[Jungle]

22 3 points £400 for mine all mods declared

[Jazz]

£3,200

S15 Spec R

23. Driving since 17. 1 driving ban.

Fuck me you like to piss away money..

When I was 23 I insured my Mitsubishi GTO (huge spec) and still only paid £850-odd.

I guess that's what you get for living oooop north ;)

[JoeHindle]

Was paying £2,496 fully comp on my Saxo with both my parents on, 0 ncb license for less than a year.

Just bought a 106 1.1 fully comp= roughly £1600 by myself with 0ncb and license for less than a year

this shit is fucked up..

[vts-dave]

£600 24 y/o with 6 points IN10 just me on the policy with 3 years no claims on a mk5 golf gti

[Prickle]

Was paying £2,496 fully comp on my Saxo with both my parents on, 0 ncb license for less than a year.

Just bought a 106 1.1 fully comp= roughly £1600 by myself with 0ncb and license for less than a year

this shit is fucked up..

At least you're fully comp :homme:

Im TPFT. :oops:

[Rogue_Shadow]

Look forward to when you compile the results of these polls Mr Ross :y:

[Mochachino]

£580ish irc on an Imported Integra Fully Comp.

[Jamie]

£750 ish mods declared on my 180.

[Aly]

23 years old
5 years NCB
£680 fully comp on a Mini Cooper S

[MickyWelsh172]

27 years old
4 years NCB
£515 Fully Comp on Clio 172

[saxokid100]

£600 fully comp,mods declared................

[rorz_vts]

£600 FC on my VTR turbo all mods declared and agreed value of 7k (not worth it but not the point)

£400 FC on a 306 1.9derv minor mods (visual) declared.

26 - 4 years Ncb

[Bodvts]

£397 I'm 31 on seat Leon cupra that price is for me and wife and paying for protected no claims think I've got 13 years now. Know admiral will be putting mine up in November car rolled into another on Xmas day I've done quote already to see difference and found it for same price

[Ross]

So who else has put <£250 per year and not posted in the thread then?

[Furioman]

27 6 year ncb £245 on mk1 ford focus 2.0( last 3 years been under 250 )
last year paid £350 on my vts qoute for this year £250

[Saxorookie16]

3,500 FOR MY 1.1 INSURANCE ARE SUCH CUNTS THATS THIRD PARTY FIRE AND THEFT ASWELL :n:

[GAS_7]

Got two cars me and the misses are insured on both. I'm 25 with 1 years NCB, misses is 23 with 0 NCB

05 Vauxhall Vectra SRI CDTI (150) £649

51 Citroen Saxo VTS £618

Both are fully comp with all the extras.

Compared to when I first started driving 7 years ago I used to pay £2,000 for a 1.2 Renault Clio!

[danny-vts]

3,500 FOR MY 1.1 INSURANCE ARE SUCH CUNTS THATS THIRD PARTY FIRE AND THEFT ASWELL :n:

i'd rather walk lol


im 31, 11 points, 2 driving bans, fully comp, 1 NCB , 03 vtr just over a grand

[Giraffe]

i'd rather walk lol


im 31, 11 points, 2 driving bans, fully comp, 1 NCB , 03 vtr just over a grand

You're 31?!

[danny-vts]

yes?..

[wicked-vtr]

i'd rather walk lol


im 31, 11 points, 2 driving bans, fully comp, 1 NCB , 03 vtr just over a grand

11 points and 2 bans?! what happened bro :panic:

[danny-vts]

11 points and 2 bans?! what happened bro :panic:

6pts for speeding, a further 5 pts for another speeding offence :(
a 2 yr driving ban, then a 5yr ban but they screwed up and gave me a full license back after 2/3 yrs

yes, i have finally learnt my mistakes and cant afford anymore points let alone a driving ban.

[pugway92]

19 been passed 2 years now this month, no years no claims never had a crash i just couldnt afford insurance till last year. My insurance started in december last year and i pay £5,036, £788 first month and £433 per month. Before you call me an idiot its the cheapist you can get round here on your own name i have a few other friends that pay a similar price. Its pay that the first year get the bus.

[pugway92]

or get the bus*

[Jay_]

£1108 FC
20years old
1 years NCB
Licence held for 3 years

Civic EK4

Living on the Isle of Man has its benefits.

Yes it does.

Currently on the Van.

21
Fully comp
1 NCB
licence for 5 years
£680

On the saxo at 19 on my own fully comp policy 0 NCB 2.5 years experience, £800.

[Sophia_Bush]

02 reg saxo vtr all mods dec tpft £239

99 reg 206 XS tpft £173

even if the saxo was boosted it would only be another 60/70 if on the 206 then would of been something like 40 odd extra, lowest excess poss on both which is the voluntary £150, tpft due to low value of the cars but come renewal will be going f/c

[GAS_7]

19 been passed 2 years now this month, no years no claims never had a crash i just couldnt afford insurance till last year. My insurance started in december last year and i pay £5,036, £788 first month and £433 per month. Before you call me an idiot its the cheapist you can get round here on your own name i have a few other friends that pay a similar price. Its pay that the first year get the bus.

:shocked: Christ how the hell do you afford that?! And the police/govenment wonder why sooo many people drive with no insurance!

[CHIP]

Just in the process of sorting my renewal out... £445 on a modified policy for the Mazda. Can get it at £244 on a classic policy but having issues with keeping my no claims on classic.

Oh and that's at 25, 8 years no claims, clean licence if anybody is bothered. And both as fully comp.

[pugway92]

:shocked: Christ how the hell do you afford that?! And the police/govenment wonder why sooo many people drive with no insurance!

Live with my parents and have a job lol its a pain tbh. Hopefully if i get 1 years no claims it will go down too around £1,500 - £2,200 next year if im lucky and depending how much insurance wants to fuck me :n:

[Manu]

Just under £400
21 years NCB with advanced licence, no traffic offences whatsoever.
Fully comprehensive cover - no claims protected - full european road recovery - can drive any car I want (with owners consent)

[0rang3peel]

Paying £270 on my crappy 306d, I usually pay about £500 on a vts.

[danny-vts]

Live with my parents and have a job lol its a pain tbh. Hopefully if i get 1 years no claims it will go down too around £1,500 - £2,200 next year if im lucky and depending how much insurance wants to fuck me :n:

it wont, insurance never drops that much, so dont get your hopes up :)

[tman]

i pay £980 on a vtr
fully comp, first driver
20, 3 years experience, 2 years ncb
one accident not at fault
mods declared
and quite a bad post code, if i moved to my gf's the other side of town insurance would drop nearly £400!! so annoying,
but still, atleast its better than the £2300 i was paying first year as 2nd driver on only third part, fire and theft...

[0rang3peel]

why do people pay over a grand to insure a shitty saxo, it's fucking retarded.

[Ross]

why do people pay over a grand to insure a shitty saxo, it's fucking retarded.

Because the average cost of getting a first time driver on the road is over £8k. A huge part of that is the insurance costs - which is high because of the huge risk young drivers pose on the roads to themselves and others. It's not just Saxos, they can't get insured on much else for cheaper...

You can always drive a (tax exempt) tractor (http://www.theboltonnews.co.uk/news/9049713.Now_it___s_tractor_power_for_Chris/) and pay just £59 for insurance for the year if you wanted cheap motoring :)

[Prickle]

why do people pay over a grand to insure a shitty saxo, it's fucking retarded.

pipe down :homme:

[pugway92]

it wont, insurance never drops that much, so dont get your hopes up :)

last year my mate payed £5,123 with coop on a 1.0 53 corsa (i know lol) and he now has 1 years no claims and pays £1,576 with hastings

another friend payed just £3,967 on from adruin flux on a 1987 1.0 mini he got 1 years no claims and changed his car to a w reg polo and pays £1,712 with a random company now.

so why wouldnt mine do the same because ive had my license almost a year longer than these two?

[pugway92]

and the guy with the mini has 3 points

[CraigLovelock]

21, 3 YNCB. Insurance was taken out when was 20 though:

£1100 TT 225

[griff_106]

I'm in a bit of an odd situation in that I lost my license in December last year for medical reasons so the best thing I could do was run through my details on a comparison site. Probably not the most accurate way of doing things, but I'm not looking to get insurance until December anyway, so I'm not too bothered.

My quote was £555.44 on the Quiksilver, annual mileage of 8k, no convictions, SDPC usage, no mods to declare, full license held for over 1 year (very nearly two until I lost it) and an occupation of an Insurance Adviser.

Pretty happy with that tbh :y:

[Ross]

I'm in a bit of an odd situation in that I lost my license in December last year for medical reasons so the best thing I could do was run through my details on a comparison site. Probably not the most accurate way of doing things, but I'm not looking to get insurance until December anyway, so I'm not too bothered.

My quote was £555.44 on the Quiksilver, annual mileage of 8k, no convictions, SDPC usage, no mods to declare, full license held for over 1 year (very nearly two until I lost it) and an occupation of an Insurance Adviser.

Pretty happy with that tbh :y:

You not declaring your rear dewiper? You fucking fraudster.

[Jay_]

So what are you doing with all these details Mr Dagley?

[griff_106]

You not declaring your rear dewiper? You fucking fraudster.

Well, I'm a bare bad man like that you see... :homme: trolololol

[wingnuts]

I pay £340 fully comp on a 5 year old 2.0ltr 16v Hyundai coupe siii

[blackie_2k5]

i got bummed this year..they sent me a renewal out that was way under what it should have been..then realised and sent me a new one lol :homme:

theyd already taken the money out and sent me a new policy..so i kicked up a big fuss and got it discounted further..still alot more then it would have been if they didnt realise!!

but i feel i got a fair deal in the end lol

[Tc24]

£550 - 20, 2 years NCB, no points.

Not too bad imo!

[admad]

25yrs old
7yrs Ncb
Mr2 turbo £580 a year fully comp

[piggy123]

£98 6NCB 106 1.5diesel woooop you all loose :)
And £298 for my 106 xsi all mods declared :)
Oh I'm 24 so will drop again a little bit next year woop then I'll be getting my new VTS on the road :)

[MuZiZZle]

£98 6NCB 106 1.5diesel woooop you all loose :)
And £298 for my 106 xsi all mods declared :)
Oh I'm 24 so will drop again a little bit next year woop then I'll be getting my new VTS on the road :)

Who's the xsi with?

[Ross]

£98 6NCB 106 1.5diesel woooop you all loose :)
And £298 for my 106 xsi all mods declared :)
Oh I'm 24 so will drop again a little bit next year woop then I'll be getting my new VTS on the road :)

So you have 2x 6 years NCB or are you using the same NCB on both vehicles illegally? ;)

[Viper]

So you have 2x 6 years NCB or are you using the same NCB on both vehicles illegally? ;)

He never said anything about the NCB on the XSI.

All those people paying over £2,500 ish are all driving the wrong car! Saxos have a terrible claim history, why would you want one as a first car? :panic:

[Ross]

He never said anything about the NCB on the XSI.

All those people paying over £2,500 ish are all driving the wrong car! Saxos have a terrible claim history, why would you want one as a first car? :panic:

You think a 24 year old is driving a modified xsi for <£300 without any NCB? ;)

[0rang3peel]

All those people paying over £2,500 ish are all driving the wrong car! Saxos have a terrible claim history, why would you want one as a first car? :panic:

exactly this, just can't understand it.

I would only pay over a £2500 insurance (even a lot less than that) if I was insuring something super valuable, let alone a 500 quid saxo.

[Viper]

You think a 24 year old is driving a modified xsi for <£300 without any NCB? ;)

Nope. Just saying what I saw.

http://i244.photobucket.com/albums/gg18/Max_Takeshi/Roy.jpg

exactly this, just can't understand it.

I would only pay over a £2500 insurance (even a lot less than that) if I was insuring something super valuable, let alone a 500 quid saxo.

Same view as me. I was prepared to pay a fair bit for the S15. Still wouldn't have gone over £2,500 though!

[moxy89]

Astra 2.0 SRI £360 a year
Astra VXR with mods £860 a year both fully comp

22 with 5 years no claims and 1 claim
WIN WIN

[MuZiZZle]

Astra 2.0 SRI £360 a year
Astra VXR with mods £860 a year both fully comp

22 with 5 years no claims and 1 claim
WIN WIN

WIN WIN & 2 Astras? Not sure if srs

[gilly9092]

£606
-20
-2 years NCB
-squeaky clean licence, which I've had for 3 years
-oh, also helps that I have tits n a vagina

was driving a 1.1 106 and my insurance was £1000, switched to the vtr and that added 126 quid. renewal came, shopped round n got it for £606 quid.. happy days!

[smiith]

£606
-20
-2 years NCB
-squeaky clean licence, which I've had for 3 years
-oh, also helps that I have tits n a vagina

was driving a 1.1 106 and my insurance was £1000, switched to the vtr and that added 126 quid. renewal came, shopped round n got it for £606 quid.. happy days!

Probably helps alot that you have tits and a vagina like, it helps me when i put mine on!

[gilly9092]

Probably helps alot that you have tits and a vagina like, it helps me when i put mine on!

LOL... bet yer a real purdy lady

[smiith]

LOL... bet yer a real purdy lady

I can be whatever you want me to be ;)

[0rang3peel]

£98 6NCB 106 1.5diesel woooop you all loose :)
And £298 for my 106 xsi all mods declared :)
Oh I'm 24 so will drop again a little bit next year woop then I'll be getting my new VTS on the road :)

how the flying fudge do you pay £98 on a 106 1.5 at the age of 24.

I'm 24 with an extra year of no claims than you in the lowest postcode area and they are having my pants down in a similar shite car.

[Ross]

Moxy are you using the same NCB on both cars or have you built 5 years NCB on two policies?

[ClaytonJones]

I pay £900
No NCB
Driving a year and 8 months.

a mate of mine pays £3500 for a saxo!

[Baz]

Because the average cost of getting a first time driver on the road is over £8k. A huge part of that is the insurance costs - which is high because of the huge risk young drivers pose on the roads to themselves and others. It's not just Saxos, they can't get insured on much else for cheaper...

You can always drive a (tax exempt) tractor (http://www.theboltonnews.co.uk/news/9049713.Now_it___s_tractor_power_for_Chris/) and pay just £59 for insurance for the year if you wanted cheap motoring :)

The fact hes in one of the worst parts of Bolton doesn't help lol

[piggy123]

as for all the comments..... im named driver on the 1.5D 106 and have all NCB on my XSI woop woop :D
turn 25 next year so price should drop a bit for when i have my VTS all sorted and ont he road :D

[DeanAngell1234]

Saxos and 106s are so much to insure :/

I'm 20 been driving for 3 years, 1 claim, 2 years NCB since my crash and I'm paying £1500 on my VTR. I'm selling it when this year has finished and buying something else cheaper to insure

[moxy89]

[QUOTE=MuZiZZle;6110913]WIN WIN & 2 Astras? Not sure if srs[/QUO

It full of win, one is a shed that i bang the miles on the other is a savage monster that the chicks love.. just dont show it a corner

[MuZiZZle]

[QUOTE=MuZiZZle;6110913]WIN WIN & 2 Astras? Not sure if srs[/QUO

It full of win, one is a shed that i bang the miles on the other is a savage monster that the chicks love.. just dont show it a corner

Lolz

[moxy89]

you cant LOLZ you have a saxo my babe

[MuZiZZle]

you cant LOLZ you have a saxo my babe

Oh I can

I could see your willy meats