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Clio Sport RS Insurance!

Car  RS Meg 175
Hello people!

what model, age etc is the cheapest 2.0 clio to insure? and what age is it possible without paying properly through the nose? as i love the 172 Cups and have recently fell for the racing blue 182's :quiet:

Cheers guys
Matt
 
The 182 is group 16...tho the cup is group 17 IIRC..

Some companies wont cover the cup as they think its more of a risk with no ABS (which is balls IMO)...

On my 182 I have my own policy at 22 with one years NCB, a 50/50 accident nearly 3 years ago, garaged in a Glasgow post code £900 a year.

Alan.
 
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In your opinion statistics and fact are balls??

Sorry. Not an ABS thing but come on, that's a silly statement.

BTW, Last time I checked my insurance quotes for RS (early last year, now buying a 172). 182 was £1900 and 172cup was £2200. Clio DCi was £1300 :dead:

BTW, the insurance groups you see on car stats etc aren't actually what the insurers use apparently. The girl at Direct Line said she didn't know exactly what it was based on but that the 0-20 groups are just a very very vague guide on how much you should expect to be paying.
 
I don't think there's a 'cheap' 2.0 to insure, it depends on so many factors, postcode, age, mileage etc etc... I know myself that sub-25 the quotes were silly but not un-obtainable. I am now (just) 26 and it's a more manageable £450 F/C for me and g/f.
Oh and colour is a factor too, red (supposedly) is the most stolen colour :eek:
As Alan says tho, Cup's are classed as a higher risk.
 
older cars are cheaper to insure. a ff 172 will be cheaper to insure than a 172 cup.
i had luck with bell.co.uk and added 2 named older drivers to my policy which took loads of money off. if i was you, i'd find a car id like then ring up/get an online quote for most of the companies on the insurance sticky thread.

how much do you have to spend on insurance? mine was £2000 ish when i was 19 nearly 20 with 2yrs ncb. 2005 182 ff with both cups if that helps?
 
orite thats really helpful guys cheers! im currently nearly 19 with a 1.2 16v unsure wether to do the following:

- Keep 1.2 wait till can insure 2.0
- get 1.6 wait till can insure 2.0
 
keep it. you'l loose less money in the long run than buying cars etc. stick it out til you can afford the insurance imo. and drive carefully get a good NCB!
 
Im currently paying £1300 with adrian flux 1 NCD, 1 accident 2 years ago with engine converison, Coilovers,17" alloys, cup spoiler. Still get to pay £100 tax a year :D :rasp:

oh and im 21.

wait till you can insure a 2.0 or do an engine conversion like me ;)
 
when i first got mine i was 19, 1 years ncb. and with elephant it was 1780

now 20 and have renewed in jan and with 2 years ncb it went down to 1200 with bell.
 
Im currently paying £1300 with adrian flux 1 NCD, 1 accident 2 years ago with engine converison, Coilovers,17" alloys, cup spoiler. Still get to pay £100 tax a year :D :rasp:

oh and im 21.

wait till you can insure a 2.0 or do an engine conversion like me ;)


do they not re-assess your car and tax it accordingly? what car/clio did you convert? and what to an F4R? just wondering :)
 
Im currently paying £1300 with adrian flux 1 NCD, 1 accident 2 years ago with engine converison, Coilovers,17" alloys, cup spoiler. Still get to pay £100 tax a year :D :rasp:

oh and im 21.

wait till you can insure a 2.0 or do an engine conversion like me ;)


do they not re-assess your car and tax it accordingly? what car/clio did you convert? and what to an F4R? just wondering :)

Was a 1.2 16v now got a late 172 2.0 engine and cruise control etc.
Nope DVLA still class it on its original Tax group= savings for me :)
 
Im 19 on my clio now is £600 and for a 182 is £1300 lol so im goin get 1 middle of year at 19 thats cheap
 
Im 19 on my clio now is £600 and for a 182 is £1300 lol so im goin get 1 middle of year at 19 thats cheap
Where is that from Ryan, it's much more when I've done quotes so far.

Matta, you will lose a lot of money if you buy a 1.6 and then a 2.0. Better off sticking with the 1.2 for now.
 
No as points are not claims!!!

Unless you havent told your company in like months, at the end of renewal they can deny you any NCB for being dishonest.
 
both a ph1 172 and a 182 are exactly the same price to insure, i rang up and asked as my insurance on the RS1 is £1600
 
£300 for protected NCB fully comp on 172 ph1. ahhhhhhhhhhh
mine must be cheap and guess wat its for sale! ur lucky day.
 
mate i got a 1.6 n its nothing special, hold out till you can afford the insurance on a 2.0l !

i got quotes for 2.0l at 19 n they were so stupid, not 1 under £2500! n i have had no crashes or points ever! plus car is kept locked in a garrage over night! stupid xxx
 
Insurance isn't as simple as group 1-20, there is also different banding's within that (a,b,c,d etc). The main effect on insurance is your postcode, once did a comparison with a friend on identical cars/age/driving experiance/ncb/storage, with the only differeance being postcode (100miles apart, both good area's) and the quote was £200 different!!!!

Specialist insurers will always be cheaper than elephant, norwich union etc. But you will need to be 21 for most of them.

I am about to renew with Greenlight £495, 4 years ncb, 3 points.
 
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