MK5 Golf GTI

All Things Mk5 => Mk5 General Area => Topic started by: Eccie on September 10, 2009, 08:52:43 pm

Title: What’s your excess?
Post by: Eccie on September 10, 2009, 08:52:43 pm

I know insurance can be a drab subject, but I got my 1st renewal premium today on the GTI, which wasn’t that bad, but they are insisting on a £200 excess because of the model (the car not the wife)

So I would be interested to know what others have as a compulsory excess.

Title: Re: What’s your excess?
Post by: Phil Mcavity on September 10, 2009, 08:57:01 pm

About to go with greenlight in a couple of weeks, same price but will be getting 10% off from being ukmkiv's member. :happy2:

Title: Re: What’s your excess?
Post by: NEWEY on September 10, 2009, 09:14:04 pm

becuase of my age its rather expensive....................................£800   :sick:

Title: Re: What’s your excess?
Post by: Edition30 on September 10, 2009, 09:16:50 pm

Mine was £1000 went upto £1350 due to the ban  :scared:

Not sure on the excess, probably £500+

Title: Re: What’s your excess?
Post by: Rich on September 10, 2009, 09:56:12 pm

Well, i'm probably paying the most :sad1:

Being 18, im paying £2000 premium and £2500 excess

Hoping this should go down when i reach 19 !!!!!!!!!!!

Title: Re: What’s your excess?
Post by: Poppa Dom on September 10, 2009, 10:01:38 pm

Quote from: Rich on September 10, 2009, 09:56:12 pm

Well, i'm probably paying the most :sad1:

Being 18, im paying £2000 premium and £2500 excess

Hoping this should go down when i reach 19 !!!!!!!!!!!

I really cannot understand how anyone that age would spend that kinda money on insurance, be interesting to see how much your renewal is!

Title: Re: What’s your excess?
Post by: RobH on September 10, 2009, 10:09:39 pm

Quote from: Rich on September 10, 2009, 09:56:12 pm

Well, i'm probably paying the most :sad1:

Being 18, im paying £2000 premium and £2500 excess

Hoping this should go down when i reach 19 !!!!!!!!!!!

wont go down much im 22 paying £1200 3 years ncb stage 2+ cupra

Title: Re: What’s your excess?
Post by: Rich on September 10, 2009, 10:13:21 pm

Yea its on the company, so its a company car really...

the only way i could get insured...

it should come down when im 19, or i will have it out with the brokers :angry015:

Title: Re: What’s your excess?
Post by: Hurdy on September 10, 2009, 10:25:03 pm

£605 with £250 excess with AF.

ALL mods declared, full NCB and no points.

Plus I can have 450bhp + or - 10% with that. :innocent:

Title: Re: What’s your excess?
Post by: Poppa Dom on September 10, 2009, 10:32:43 pm

Quote from: Hurdy on September 10, 2009, 10:25:03 pm

£605 with £250 excess with AF.

ALL mods declared, full NCB and no points.

Plus I can have 450bhp + or - 10% with that. :innocent:

Lol, +/- 10%, call it 500bhp and be done with it  :evilgrin:

Title: Re: What’s your excess?
Post by: Hurdy on September 10, 2009, 10:37:28 pm

Quote from: DomT on September 10, 2009, 10:32:43 pm

Quote from: Hurdy on September 10, 2009, 10:25:03 pm

£605 with £250 excess with AF.

ALL mods declared, full NCB and no points.

Plus I can have 450bhp + or - 10% with that. :innocent:

Lol, +/- 10%, call it 500bhp and be done with it  :evilgrin:

Only if I stick with the GT2871 :wink:

Title: Re: What’s your excess?
Post by: bacillus on September 10, 2009, 10:49:03 pm

My excess is £500 as I live on the wrong side ofd town...   :ashamed:

Title: Re: What’s your excess?
Post by: stealthwolf on September 11, 2009, 01:05:11 am

compulsory due to car = £250
voluntary excess = £0

Title: Re: What’s your excess?
Post by: Andy on September 11, 2009, 02:00:41 am

my excess is £100 insurance for my tdi is £240 a year

Title: Re: What’s your excess?
Post by: edd666999 on September 11, 2009, 02:05:58 pm

im 22 5year NCD, 0 Poiints, £987 and...£250 excess with £250 compulsory as im under 25.

Title: Re: What’s your excess?
Post by: rskardon on September 11, 2009, 02:19:52 pm

Most recent quote is £460 with 7 years NCB, 3pts (from 04) and that has £350 Excess from Brentacre,

Greenlight was imilar cost so may chuch the UK MKiv's discount thing in there as i am a member which would take it down further as their excess was £250,

Cheers,

R

Title: Re: What’s your excess?
Post by: JPC on September 11, 2009, 02:56:22 pm

Rich thad ridiculous! Has your company got a fleet policy??? I was driving a cayenne turbo s at 17 for less than that!!!

Title: Re: What’s your excess?
Post by: Poverty on September 11, 2009, 06:20:10 pm

Quote from: Rich on September 10, 2009, 09:56:12 pm

Well, i'm probably paying the most :sad1:

Being 18, im paying £2000 premium and £2500 excess

Hoping this should go down when i reach 19 !!!!!!!!!!!

You obviously live well away from London! When I was your age insuring my 1.4 ibiza cost me 2800 for the year.

Now 20 with 2yrs ncb paying 2700 on the cupra.

Title: Re: What’s your excess?
Post by: Rich on September 11, 2009, 06:55:49 pm

JPC, yes i know,

we pay too much, im looking into this.

Title: Re: What’s your excess?
Post by: berttie21 on September 11, 2009, 07:15:21 pm

not wanting to hijack thid page I wouldn't mind some insurance advise.

I have just been quoted by Adrian Fux £1050 for fully comp insurance on a 58 pirelli Revo Stage 1, I m 30 with 8yrs no claims and fully clean? The chap seemed to belive that this was a very good deal and could not be beaten?

From looking at this post and others regarding insurance this seems pretty steep? I will try greenlight in the morning.

He also sais that some of the insurance companies would not touch it becasue te car was not modified enough?

Cheers

Title: Re: What’s your excess?
Post by: Poverty on September 11, 2009, 07:17:27 pm

Quote from: berttie21 on September 11, 2009, 07:15:21 pm

not wanting to hijack thid page I wouldn't mind some insurance advise.

I have just been quoted by Adrian Fux £1050 for fully comp insurance on a 58 pirelli Revo Stage 1, I m 30 with 8yrs no claims and fully clean? The chap seemed to belive that this was a very good deal and could not be beaten?

From looking at this post and others regarding insurance this seems pretty steep? I will try greenlight in the morning.

He also sais that some of the insurance companies would not touch it becasue te car was not modified enough?

Cheers

What postcode are you in?

My old man still gets quoted over a grand on evos and hes 50 odd with bucket loads of ncb.

Title: Re: What’s your excess?
Post by: berttie21 on September 11, 2009, 07:19:33 pm

guildford ; surrey

Title: Re: What’s your excess?
Post by: Poverty on September 11, 2009, 07:30:25 pm

Quote from: berttie21 on September 11, 2009, 07:19:33 pm

guildford ; surrey

What are the first set of letters and numbers. I will see what your postcode is rated at by insurance companies.

Title: Re: What’s your excess?
Post by: berttie21 on September 11, 2009, 11:23:42 pm

Poverty,

Thanks for this, they are GU1 XXX

Cheers

Title: Re: What’s your excess?
Post by: rskardon on September 11, 2009, 11:23:50 pm

Im in Surrey too and was quoted 675 upto 250bp so that does sound steep for guildford, try greenlight and Brentacre

Title: Re: What’s your excess?
Post by: xxx_mojo_xxx on September 12, 2009, 12:12:01 am

Compulsory excess of £300.
Fully comp policy from MoreThan (with no claims protection) £300  :pomppomp:

Title: Re: What’s your excess?
Post by: Poverty on September 12, 2009, 01:04:11 am

Quote from: berttie21 on September 11, 2009, 11:23:42 pm

Poverty,

Thanks for this, they are GU1 XXX

Cheers

Going by june 2008 data its rated as being B which is quite good. Might be worthwhile trying greenlight and brentcare, as there is a 28 year old guy round my way who pays 800 fully comp on his brand new focus rs and our area is at f.

A being low risk, F being high risk.

Title: Re: What’s your excess?
Post by: GTIjames on September 12, 2009, 01:59:38 am

my excess is around £500, qute alot I know but my charge for all mod's declared (26yo, 6pts now 3 yrs old) on-street parking in clapham, south london is £580 a year!

renewal is up soon so will soon see if they are still competitive.

though young drivers with performance cars, greenlight seems the most competitive  :happy2:

Title: Re: What’s your excess?
Post by: Kinbin on September 12, 2009, 10:57:15 am

 As a global reference, see below on rates in Asia (Taiwan). Just paid up in AUG-2009

550 quid, 5-yr ncd, $0 excess, 44-yr old, corporate rate.

no mods.... YET!  :evilgrin:

Title: Re: What’s your excess?
Post by: Jules86 on September 12, 2009, 12:12:26 pm

£1200 for the R32, im 23 living in london. Excess is £250. I have 0 NCB though as some scag head decided they wanted the stereo from my old car  :fighting:

Title: Re: What’s your excess?
Post by: Eccie on September 12, 2009, 01:43:34 pm

Well thanks for everyone’s contribution, big differences due to various factors e.g. age, location etc.

It would appear that a higher compulsory excess is the industry norm with a GTI etc. I just wanted to check what everyone was paying, since it seemed a little steep for a 45 yr 'clean' lady with 10 years claim free and full NCD – but I don’t think we can complain looking at some of the numbers!!!

Renewal premium is at £430 and I’ve had an alternative quote (via highway) at 10% less