MK5 Golf GTI
All Things Mk5 => Mk5 General Area => Topic started by: Edition30 on June 18, 2009, 07:32:31 pm
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Who have you found to be cheapest on insurance?
Thanks, Steve.
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Is the car standard or modded?
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Standard.
Got a motoring conviction though :sad:
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Swiftcover if standard. :happy2:
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Tesco, i get a bit off for working for them though.
£1200 for the R32 at 22 years old with 0 NCB (had to claim when my headunit was stolen!)
:smiley:
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Currently with Tesco and there renewel quote has gone up £350 and thats before they know about my driving offense. :confused:
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Seems odd! They own quite a lot more insurance companies than people realize as well so wont be good with a lot of other ones!
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I did get a quote from Admiral for £1005 but that ran out and its now over £1400 for some strange reason.
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Would have had some claims i expect.
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I'm with Elephant - they came in cheapest at £960 for me with 1 yrs NCB (I'm 19)... but that was for only 10 months because they do a bonus accelerator... quite handy though I thought! :happy2: Stupid expensive insurance though eh :confused:
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Im with Norich Union... being 18 - havent even got a years no claims yet... im paying £2000 a year + £2000 excess
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Im with Norich Union... being 18 - havent even got a years no claims yet... im paying £2000 a year + £2000 excess
:surprised:
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Jesus, how do some of you afford these cars so young. Take it you live at home still!!!!
Mk5 GTI for myself (oldun) 28 with 5+ years NCB and my fiancee covered as a named driver who is 21, £880 through Brentacre. It was cheaper with Churchill at around £640, but we would have lost more money transferring out of our existing policy, so its as cheap to stick with Brentacre and pay the increase.
Brentacre have unlimited mods policy with no mid term adjustment costs though. So its worth sticking with them for that. Well, unlimited mods for anything that doesnt boost performance.
Worth noting, that on my own policy the cost was around £400.
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I live in a flat in london mate, about £900 more expensive than living at home :signLOL:
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Swiftcover if standard. :happy2:
Too young to get insured by them :confused:
Meh, not looking good on the insurance, sick of the damn thing anyway.
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Tesco came up trumps for me too. I seriously don't know how some of you guys get these quotes, they all seem cheap to me with you being young and having little or no NCB!
Im 21, got 4 years NCB and 6 points, to insure the S3 with Tesco it was £1800 which I was quite happy with, the next best quote was £6500!! Audi insurance quoted me £21,000, yes £21,000 for 12 months insurance :angry015:
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Stage 2 GTI, exhaust, wheels, suspension etc all declared with me and Mrs as named drivers, 6yr NCB, 2x SP30's and a non-fault accident £472 with Greenlight.
Talking of insurance if you ever cancel mid-way through a policy you may as well pull ya pants down :sad:
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ive just been quoted £725 of an edtion 30 with admiral. im 26, 1 years ncb with a clean licence.
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Jesus, how do some of you afford these cars so young. Take it you live at home still!!!!
Mk5 GTI for myself (oldun) 28 with 5+ years NCB and my fiancee covered as a named driver who is 21, £880 through Brentacre. It was cheaper with Churchill at around £640, but we would have lost more money transferring out of our existing policy, so its as cheap to stick with Brentacre and pay the increase.
Brentacre have unlimited mods policy with no mid term adjustment costs though. So its worth sticking with them for that. Well, unlimited mods for anything that doesnt boost performance.
Worth noting, that on my own policy the cost was around £400.
Haha, yep, still live at home - £150 rent a month is quite enough on top of the £400 a month I pay for my car! :sad1: Oh well, it's worth having no money left when I have such a lovely car! :happy2:
Saying about declaring mods and stuff though, are you supposed to declare if the car came standard with things like sat nav, xenons, 18" Monzas etc etc? As I know they always say something like 'any modifications' but actually my car hasn't been modified, it came fully loaded...?? :confused:
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if you are young best try greenlight :happy2:
25 yrs old - 6pts, mods in sig all declared, parked on street in london - 4 year no claims c £550 a year
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28 years old.
No mods etc.
3 years no claims (1 claim declared)
Clean license (finally!!)
Parked in garage overnight, outer London.
Admiral - just over £800 :sick:
Would never pay over £1k for insurance on any car!
Hoping it will drop to the £600 next year.....
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standard just shop around.
For declared modified , Chris Knott were easily the best of a limited bunch :happy2:
(Greenlight are great too but wouldnt quote for my postcode)
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Saying about declaring mods and stuff though, are you supposed to declare if the car came standard with things like sat nav, xenons, 18" Monzas etc etc? As I know they always say something like 'any modifications' but actually my car hasn't been modified, it came fully loaded...?? :confused:
You should ideally, as standard spec GTI didnt come with all that, so in theory although they are manufacture fit options, its not standard. I declared mine just to be sure.
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Adrian Flux quoted me around £450 for the year on a GTi and Esure were similar. I'm 31 with full claims and no con's. Currently with Admiral (till next month) and thats about £540, protected with the wife and business cover too. I've also heard that some of the companies that are allegedly just for women will actually cover anyone and that they are pretty cheap. I've yet to ring though.
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£256 as a standard car
Full comp protected NCB etc
with More th>n
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Friends missus worked in insurance. They had a 20 year old ring up for an R8 - £40k!!!! He paid it aswell :surprised:
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Well I'm outraged!
After viewing Cossy's rather well priced insurance from Morethan I thought I'd give them a try as mines due soon. Taking into account I have a civilian and non-civilian advanced driving certificate and live in a low crime area with full protected no claims and no mod's they still won't let me join their club! How rude! :surprised:
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£522 modded.
37 with her in doors on policy.on drive.
Green light
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Im up now, im now 25 and will have 5yncb, tesco quoted me £34 less than last year!! what a joke!! £802
tried greenlight, pending email back.
admiral = crap
elephant = crap
adrian flux = pending call back
who else should i try?
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Chris Knott is worth a try http://www.ckinsurance.co.uk/car_insurance.html (http://www.ckinsurance.co.uk/car_insurance.html)
Dom
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Try More than I paid £245 fully comp, standard motor with a guaranteed bonus. I'm aged 33 with full no claims & live in the sticks. That incluses £75 cash back from quidco....
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just renewed with elephant. 27 with 1 years no claims and an accident (well Mrs wrote my second car off last july) £625 with mods. Greenlight were closest at £845 and adrian flux £1320. Very pleased man in the end :smiley:
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Saying about declaring mods and stuff though, are you supposed to declare if the car came standard with things like sat nav, xenons, 18" Monzas etc etc? As I know they always say something like 'any modifications' but actually my car hasn't been modified, it came fully loaded...?? :confused:
You should ideally, as standard spec GTI didnt come with all that, so in theory although they are manufacture fit options, its not standard. I declared mine just to be sure.
Hmm, you see I was under the impression that this isn't the case Deako, although correct me if I'm wrong fella;
(Unless em2evol's mods' are retrofitted) Because those options are factory fitted, the necessary databases throughout the UK will have listed that those options were fitted as factory spec off the conveyor belt, presumably in this case at the request of the original paying customer/first owner.
The reason I'm lead to believe this is I called one of my local VW dealers asking for the price of a Xenon headlight replacement. Within about 15 seconds of the sales assistant at the end of the phone looking up my registration, his reply was "...but the vehicle doesn't have Xenon headlights does it?", to which he was absolutely right (I was calling on the sly to see how much they'd quote for each one for a retrofit I had in mind). He'd only have got this from the spec listed against my GTI's plate.
Presumably, insurance companies have access to this same data-set and thus the original price of the car and price of insurance premium quotes given for that vehicle registration will take these factors into account, as obviously a vehicle with leather, tints, RNS-510 and 18" Monza's is probably slightly more tempting to motor criminals than one without. There'd also be more to replace if the car was written off. Perhaps I'm wrong but I always understood it like this?
...Hence why all my retrofits have been put on hold because if I mod, I've got to declare it and my current insurers won't allow me to declare any. I can't afford to risk invalidating my premium, neither can anyone in reality.
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Manufacturer data and insurance data are totally seperate systems. Yes they can tell its a GTI for example, but wont have extensive data on the factory options. Only the dealer has this information.
Sure, an insurance company in an investigation would be able to find out, but you should declare manufacture or dealer fitted options.
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Manufacturer data and insurance data are totally seperate systems. Yes they can tell its a GTI for example, but wont have extensive data on the factory options. Only the dealer has this information.
Sure, an insurance company in an investigation would be able to find out, but you should declare manufacture or dealer fitted options.
Hm, Interesting.
In the event of a claim then, the insurance companies involved in the claim would demand this information to validate the necessary premiums?
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What if you were not familair with what are options are what are not - not in our cases but buying a second hand motor of a manufaturer your not sure of how would you know...
just a thought.
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All i know is that an insurance company would do whatever they can to avoid making a payout. Covering your own back ensures that you are safe.
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23 9points and a CD10, £575 privilage :happy2: :popcornsoda: :surprised: :innocent:
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9point? lol
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LOL. And a CD10 which is driving without due care and attention!! :surprised:
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8 now my mistake, :ashamed: 5 points sp50, 3 points sp30. Yup CD10, smashed a type r up when i was 19 :ashamed: :chicken: :innocent:
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2700 on the k1. Cant remember what my excess is as it didnt matter as no other insurance company would touch me on the car even when they gave me quotes online. :confused:
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Did the insurance have anything to do with your user name? Haha
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the whole declared factory fitted options thing is generally going to be honoured.
However I once left Admiral insurance for just that reason, for a modified Mini Cooper S , had all the toys , and they confirmed in writing that in the event of an accident they would only replace parts to minimum base factory spec !
As you can imagine I dont know how they were gonna do that for factory fitted xenons but there you go !
Very strange but I gave up calling them and gettng nonsense every time so I just moved on...
that was a good few yrs ago though, I didnt declare my options for the GTI this time around, but did of course declare my non factory upgrades :happy2:
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It seems to be a bit of a iffy subject. The way I see it is like this. 99% of the people on the road arent anal about their cars like us, and therefore when they insure their cars they wouldnt have any second knowledge or even reason to think that factory options need to be declared. Therefore on the basis that most these people who have had cars stolen or written off, and still got a fair value back from the insurance company, leads me to inform an opinion that it is not required to declare seperate options, unless ofcourse barring some exoticas, who have got some stupidly expensive options.
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I'd still love to know whether insurance companies refer to the original spec of the vehicle by its registration plate, in the event of a claim?
Can anyone confirm this either way?