WU-TANG- DAN
Member
Registered: 30th Nov 07
User status: Offline
|
basically, does the insurance group of the car always dictate the price of the premium?
im 17 and buying another car, im just wondering if buying something not normally associated with teens will mean the insurance will keep the price down or slightly raised?
mazda 323 saloon, skoda felicia estate, nothing with huge engines just not popular!
|
Colin
Member
Registered: 4th Apr 02
User status: Offline
|
Nah the grouping is just a guide, actual insurance companies look at a whole range of stuff to determine a quote.
|
WU-TANG- DAN
Member
Registered: 30th Nov 07
User status: Offline
|
well im paying £1,740 on a punto 1.2 3rd party only in my own name with no extras.
courtesy of L+V.....pricks. i dont really want to pay more than that for the luxury of driving thus this idea.
|
JonnyJ
Member
Registered: 23rd Sep 05
Location: Scotchland
User status: Offline
|
£1,740 3rd party on a 1.2 Punto. Jesus 
|
WU-TANG- DAN
Member
Registered: 30th Nov 07
User status: Offline
|
i know, fathers the only named driver and hes clean as whistle driving wise.
i live in a medium crime rate area (supposedly). i will be recieving my pass plus certificate soon but i doubt it will do anything now.
|
JonnyJ
Member
Registered: 23rd Sep 05
Location: Scotchland
User status: Offline
|
I know Norwich Union used to give 49% Discount to people with Pass Plus. When i was 17 my 1.2 corsa was £1600 fully comp, went down to around £800.
|
Timbaland
Banned
Registered: 20th Jan 07
Location: Glasgow
User status: Offline
|
Fuck me, I live in the West End of Glasgow (Dodgy) and insuring a Mini Cooper 2002 for £1600 fully comp and a 307cc 2.0 HDI for £1400 and im 19 with no ncb and 6 points.
Was insuring a Megane coupe that was a 1.6 Sport for £1500 fully comp at 17.
|
Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
|
Loads of factors - usually how often a car is stolen plays a big part.
|
WU-TANG- DAN
Member
Registered: 30th Nov 07
User status: Offline
|
say a 90's skoda felicia estate, would the insurance assume your not a danger as its such an unheard choice of car at my age?
|
Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
|
They would probably like the fact that no one ever steals or crashes one but dislike your driving record. Different insurers will weight things differently as well. You need quotes really.
|
Superlite Ltd.
Member
Registered: 9th Jan 07
User status: Offline
|
quote:
Originally posted by WU-TANG- DAN
well im paying £1,740 on a punto 1.2 3rd party only in my own name with no extras.
courtesy of L+V.....pricks. i dont really want to pay more than that for the luxury of driving thus this idea.
First car i ever owned i went on my own insurance and was full comp. It was a 1.4 8v and i paid £900 a year 
Why are you getting so ripped off 
|
WU-TANG- DAN
Member
Registered: 30th Nov 07
User status: Offline
|
my dad called about as well.
i cant give you an answer other than insurance companies will happily skin a turd for a penny!
|
Timbaland
Banned
Registered: 20th Jan 07
Location: Glasgow
User status: Offline
|
quote:
Originally posted by WU-TANG- DAN
say a 90's skoda felicia estate, would the insurance assume your not a danger as its such an unheard choice of car at my age?
They'd prob charge you more for wanting to buy a 90's Skoda Felicia Estate tbh
|
antnee
Member
Registered: 30th Dec 07
Location: Cov Drives: Clio 197
User status: Offline
|
Some factors they look at, cost of parts, how often they are crashed(or crashed into), how often they ar nicked, how often they are broken into, the colour, size of engine, etc
Corsa's (b & c), are miles cheaper to insure for me than any other car in the catagory, a corsa c 1.4 is just over £2000 with direct line(always cheapest for me) but others like a fezza 1.25zetec(99-02) is over 2k, a 1.4 16v polo they won't give me a quote on!
|
James_DT
Member
Registered: 9th Apr 04
Location: Cambridgeshire
User status: Offline
|
I paid £1850 fully comp in my own name when I was 17 and learning. It didn't change when I passed, and Pass Plus took it down by as much as Pass Plus cost me!
edit: 306 1.9 TD
[Edited on 08-03-2008 by James_DT]
|
dannymccann
Member
Registered: 9th Aug 06
Location: Doddington, Lincolnshire
User status: Offline
|
My first car 1.4 8v Corsa LS
Insured it 3rd party while i was learning at Norwich Union (always cheapest by 50% for me), £1250, then when I got my Pass Plus (gave my driving instructor £60 and he signed the certificate for me ) I got a rebate of £290 about half way through my policy, which was nice
So when you get quoted ask if PP makes a difference, because if it doesnt theres no point doing it (unless you want to do it for practice)
|
WU-TANG- DAN
Member
Registered: 30th Nov 07
User status: Offline
|
well i paid £20 for my pass plus, the welsh assembly have a scheme of paying the other £100.
i wont use it now though, my policy finishes in june and ive already paid the policy so i stand to get naff all back.
i do understand the bit about the corsas being the cheapest thing to insure, but ive already had one and to be honest i dont want another. i want an estate now lol
wait until renewal to declare it, but i will change to whatever insurance company gives the biggest discount for it.
|
Mike GSi
Member
Registered: 3rd Jan 07
Location: Ipswich, Suffolk Drives:Astra VXR
User status: Offline
|
Not sure on Groups of either car but my first car was a nova 1.2 at 17 my insurance was £1300 i was thinking about getting a focus 2.0 zetec at the time on finance so i called my insurance company and i could have insured the focus under the same sircumstances as the nova. for £750-£800 Fully comp
|
Mike GSi
Member
Registered: 3rd Jan 07
Location: Ipswich, Suffolk Drives:Astra VXR
User status: Offline
|
the amount of cars that have had claims on them in that class in that month too.
eg.
Mate insured an escort 1.8 gti when he was 18 no NCB
he turned 19 and had 1yr NCB and his insurance went up by £250 this was because lots of escort GTI's had been claimed (on/with Crashed/stolen) in the month of his renewal.
tbh i think insurance is alot of chance and luck 
Like my Astra turbo being £100 cheaper than my Corsa GSI.
|
