MK5 Golf GTI

All Things Mk5 => Mk5 General Area => Topic started by: craigy123 on March 16, 2010, 09:31:54 pm

Title: young (ish) Mk5 owners insurance
Post by: craigy123 on March 16, 2010, 09:31:54 pm
well im getting my edition30 soon and just looking around for the best price on insurance, its got a giac re-map, aftermarket back box and and up rated air filter set up, advice please....... im 23
Title: Re: young (ish) Mk5 owners insurance
Post by: GTIjames on March 16, 2010, 09:35:03 pm
greenlight mate, i was 24 when i picked mine up and they were by far the cheapest and still are 2 years down the line  :happy2:
Title: Re: young (ish) Mk5 owners insurance
Post by: NB07 on March 16, 2010, 09:39:11 pm
i bought mine at 25 but thats when insurance drops a lot. try greenlight first not sure if they will be the best for under 25yr olds but modded GTIs fo sho.  :happy2:

its a good idea to get insurance quotes before buying a car or even modding it as you could be stuck with something you cant insure especially if you were gonna go mad and put a fiberglass body kit on it!  :laugh:


Title: Re: young (ish) Mk5 owners insurance
Post by: Poverty on March 16, 2010, 10:03:32 pm
just changed from adrian flux to greenlight now that im 21  :happy2:
Title: Re: young (ish) Mk5 owners insurance
Post by: craigy123 on March 16, 2010, 10:07:38 pm
Thanks for the advice folks deffo no fibre glass body kits here mate, fook that!!  :signLOL:

i did get a few quotes before putting some cash down on the car, does being an advanced driver make a difference? i have that with being a firfighter and ERD qualified  :happy2:
Title: Re: young (ish) Mk5 owners insurance
Post by: Poverty on March 16, 2010, 10:13:16 pm
Thanks for the advice folks deffo no fibre glass body kits here mate, fook that!!  :signLOL:

i did get a few quotes before putting some cash down on the car, does being an advanced driver make a difference? i have that with being a firfighter and ERD qualified  :happy2:

no idea, fill out the greenlight quote form and see what they come up with!
Title: Re: young (ish) Mk5 owners insurance
Post by: em2evol on March 16, 2010, 10:40:22 pm
Admiral / Elephant were cheapest for me - I was 19 when I got my GTI.
Title: Re: young (ish) Mk5 owners insurance
Post by: Nasir on March 16, 2010, 11:05:43 pm
Admiral / Elephant were cheapest for me - I was 19 when I got my GTI.

19 and you got insured?? :surprised:
How many no claims did you have?
Title: Re: young (ish) Mk5 owners insurance
Post by: Golfgirl on March 17, 2010, 02:40:59 am
Try putting a parent as a named driver on the policy :happy2:
Title: Re: young (ish) Mk5 owners insurance
Post by: DaveyCupra on March 17, 2010, 08:56:38 am
just changed from adrian flux to greenlight now that im 21  :happy2:

Yep, I got a quote from these guys for my renewal and they are the cheapest by a mile with all mods declared!!!  :pomppomp:
Title: Re: young (ish) Mk5 owners insurance
Post by: liver on March 17, 2010, 09:11:07 am
im with admiral/bell insured mine at 21 and they were the cheapest by far
Title: Re: young (ish) Mk5 owners insurance
Post by: JLCoad on March 17, 2010, 10:14:40 am
How much you all paying out of interest? I bought my edition 30 at 25 and with myself and my girlfriend on (same age) its £800. No mods as yet.
Title: Re: young (ish) Mk5 owners insurance
Post by: GTIjames on March 17, 2010, 10:55:11 am
im paying £580 - 26yrs old - 5yrs protected no claims - all mods declared - parked on the street in london

greenlight  :happy2:
Title: Re: young (ish) Mk5 owners insurance
Post by: liver on March 17, 2010, 10:57:11 am
im paying 1450 for ten months

insured the day after i turned 21 with 3 points

Title: Re: young (ish) Mk5 owners insurance
Post by: MAT ED30 on March 17, 2010, 11:23:39 am
i think i pay £400 ish with all mods but i am 31 but the scooby is not as cheap its £800 for that  :confused:
Title: Re: young (ish) Mk5 owners insurance
Post by: markymark on March 17, 2010, 11:26:57 am
Thanks for the advice folks deffo no fibre glass body kits here mate, fook that!!  :signLOL:

i did get a few quotes before putting some cash down on the car, does being an advanced driver make a difference? i have that with being a firfighter and ERD qualified  :happy2:
There was a thread recently where someone was getting preferential rates through IAM website. :happy2:
Title: Re: young (ish) Mk5 owners insurance
Post by: rdfcpete on March 17, 2010, 12:18:39 pm
I'm 23, Standard 06' 3 door GTI, Premium with Privilege = £820 Fully comp for the year, 3 NCB. Been driving 5 + half years.
Title: Re: young (ish) Mk5 owners insurance
Post by: em2evol on March 17, 2010, 12:51:34 pm
Admiral / Elephant were cheapest for me - I was 19 when I got my GTI.

19 and you got insured?? :surprised:
How many no claims did you have?

I'm a girl   :innocent:  But also had a full bike licence since I was 17... Not sure if that helps at all... first year paid £960, second year paid £840... but I do 10 month policies which are obviously cheaper but they still give you 1 years NCB  :happy2:
Title: Re: young (ish) Mk5 owners insurance
Post by: em2evol on March 17, 2010, 12:55:01 pm
Admiral / Elephant were cheapest for me - I was 19 when I got my GTI.

19 and you got insured?? :surprised:
How many no claims did you have?

I'm a girl   :innocent:  But also had a full bike licence since I was 17... Not sure if that helps at all... first year paid £960, second year paid £840... but I do 10 month policies which are obviously cheaper but they still give you 1 years NCB  :happy2:

P.S. Had 1 years car no claims at 19 and put both my parents on as named drivers which brought it down quite a lot  :pomppomp:
Title: Re: young (ish) Mk5 owners insurance
Post by: craigy123 on March 17, 2010, 01:19:32 pm
Thanks for the advice folks deffo no fibre glass body kits here mate, fook that!!  :signLOL:

i did get a few quotes before putting some cash down on the car, does being an advanced driver make a difference? i have that with being a firfighter and ERD qualified  :happy2:
There was a thread recently where someone was getting preferential rates through IAM website. :happy2:

cheers for that info mate, i will need to go try and find the IAM card now  :rolleye:
Title: Re: young (ish) Mk5 owners insurance
Post by: Nasir on March 17, 2010, 02:14:53 pm
Admiral / Elephant were cheapest for me - I was 19 when I got my GTI.

19 and you got insured?? :surprised:
How many no claims did you have?

I'm a girl   :innocent:  But also had a full bike licence since I was 17... Not sure if that helps at all... first year paid £960, second year paid £840... but I do 10 month policies which are obviously cheaper but they still give you 1 years NCB  :happy2:

Yep that could be why yours is much cheaper, they won't even give me a quote on a GT TDI never mind a GTI. Although I'm 19 and held my license 2 years.
Title: Re: young (ish) Mk5 owners insurance
Post by: JLCoad on March 17, 2010, 05:03:36 pm
I tried Greenlight, i had tried the compare websites and was getting back between 700-800, but greenlight have quoted 500......no brainer.
Title: Re: young (ish) Mk5 owners insurance
Post by: P10YRS on March 17, 2010, 11:17:35 pm
Bell has been the best for me on both my gtis...

 I had my mk5 gti just after I turned 18 now I'm 19 now with the mk6 on my own name with my parents as named drivers..

No 1 would touch me when I wanted a s3 or gti ed30..

Ash.
Title: Re: young (ish) Mk5 owners insurance
Post by: ollie288 on March 18, 2010, 07:39:29 pm
Bell has been the best for me on both my gtis...

 I had my mk5 gti just after I turned 18 now I'm 19 now with the mk6 on my own name with my parents as named drivers..

No 1 would touch me when I wanted a s3 or gti ed30..

Ash.

Do you mind me asking how much your mk5 GTI was at 18 Ash?

Cheers :happy2:
Title: Re: young (ish) Mk5 owners insurance
Post by: P10YRS on March 18, 2010, 11:11:16 pm
Hey Ollie..

It was 2,800 on my mums name with me n my dad as named drivers when I turned 19 it went down to 1,900… Then after a couple of months of being 19 I changed to my MK6 now my insurance is 2,400 on my own name with my folks as named drivers this is all with Bell.

Ash.
Title: Re: young (ish) Mk5 owners insurance
Post by: Jules86 on March 19, 2010, 12:09:51 am
Hey Ollie..

It was 2,800 on my mums name with me n my dad as named drivers when I turned 19 it went down to 1,900… Then after a couple of months of being 19 I changed to my MK6 now my insurance is 2,400 on my own name with my folks as named drivers this is all with Bell.

Ash.

I wouldnt advise doing this route though (as you did with the mk5) as insurance companies are much wiser to fronting now.
Title: Re: young (ish) Mk5 owners insurance
Post by: stealthwolf on March 19, 2010, 01:58:07 am
^^^+1.

Because so many people have been doing it, insurers are aware that i you have a car with parents as named drivers and teenager as additional driver, it's likely the teen is the main driver. This can invalidate your insurance. Or they just won't insure you.
Title: Re: young (ish) Mk5 owners insurance
Post by: P10YRS on March 19, 2010, 09:37:07 am
The MK5 was in my mums name... now the MK6 is in my name and my own policy..
Title: Re: young (ish) Mk5 owners insurance
Post by: Jules86 on March 19, 2010, 09:54:41 am
The MK5 was in my mums name... now the MK6 is in my name and my own policy..

Thats why i said not to go the route you did with the mk5 as you were never really insured, not legally anyway.
Title: Re: young (ish) Mk5 owners insurance
Post by: P10YRS on March 19, 2010, 10:07:32 am
Why wasn't I insured if I was a named driver?? 

When I got pulled it was all fine n when I was involved in a accident everything was fine...
Title: Re: young (ish) Mk5 owners insurance
Post by: Jules86 on March 19, 2010, 10:21:27 am
Why wasn't I insured if I was a named driver??  

When I got pulled it was all fine n when I was involved in a accident everything was fine...

You were insured, but if they were able to show you were the main driver and not just an occasional (named) driver the insurance would have been void.

Its called fronting and is a criminal offence if proven.

Its so serious that insurance companies are now going to give a 'kid key' for named drivers on the policy which inhibits the power of the car.
Title: Re: young (ish) Mk5 owners insurance
Post by: P10YRS on March 19, 2010, 10:37:51 am
O I see... thanks for the info jules..
Title: Re: young (ish) Mk5 owners insurance
Post by: Jules86 on March 19, 2010, 10:52:24 am
O I see... thanks for the info jules..

No worries. You are all good though now anyway mate if your the main driver on the Mk6  :happy2:
Title: Re: young (ish) Mk5 owners insurance
Post by: ollie288 on March 19, 2010, 02:13:20 pm
Hey Ollie..

It was 2,800 on my mums name with me n my dad as named drivers when I turned 19 it went down to 1,900… Then after a couple of months of being 19 I changed to my MK6 now my insurance is 2,400 on my own name with my folks as named drivers this is all with Bell.

Ash.

Cheers Ash,
I will give Bell a try thought for the GTI and GT and see what they give, Ive been trying everywhere for someone to insure me on a GTI. I gave up and know am looking at a GT for a couple of years.

Cheers
Ollie :happy2:
Title: Re: young (ish) Mk5 owners insurance
Post by: Pmoky gti on March 19, 2010, 02:56:52 pm
im paying £900!
im 32 this year with 8 years ncb!my postcode doesnt help :surprised:live in merseyside
tried a quote for where my mate lives in harwden in northwales £300,was not happy
oh well
Title: Re: young (ish) Mk5 owners insurance
Post by: Russ_leeds on March 19, 2010, 04:57:59 pm
i pay £1400 at 23 with 6 points all for speeding n im with adrian flux