Budget to buy a 172

[.Stevo.C.]

Hi Folks i'm seriously considering getting a 172 start of next year ideally a ph1 172 or a 172 cup, Im coming up for 19 and was thinking a budget of 4k to buy and insure one what do you guys think? also has anyone on here had a sport at 19 if so was your insurance price cheapish for your age?

cheers guys

 

[iimushroomzii]

I wouldn't expect much change out of 2k of the budget insuring one at 19.

 

[ForceIndia]

Better off looking at a Ph1 with that budget. Cheaper to buy and insure.

 

[.Stevo.C.]

Cool i've been looking at ph1's mostly tbh how come theyre cheaper to insure? lower insurance group?

 

[ForceIndia]

Cups don't have ABS, pricier to insure.

 

[jenic]

Think ph1's are cheaper because they are older

I'm 19, aslong as you have a years bonus and do some shopping around you should be able to insure it for sub £1500 easily, although depends on postcode mainly.

I'd budget about £2500 for a very good ph1/tired cup.

 

[DazzaClio]

Yeah you will probley need around 2k for insurence at 19.

You wont get a 172 and insure for 4k at 19.

Good Luck

 

[Jon.L]

i paid 1700 on my 19th bday on 2 yrs ncb

 

[rob72]

ph1 cheaper insurance cos its less valuable ...same insurance group i would imagine.

 

[adam172]

not 19 but 20 with 3points

car:172 ph1 £2175
insurance: direct line £1000 fc

leaves u £825 for mods lol

 

[Timmay]

^ 1k insurance seems good

 

[Brett]

I had the same decision. I went for the ph1 because I pretty much liked both equally but I was worried that I may have problems insuring the cup. I also liked the few extra luxuries on the ph1 along with the cable throttle and it only weighs 14kg's more than the cup.

I paid £1300 for insurance. 2NCB.

 

[.Stevo.C.]

not 19 but 20 with 3points

car:172 ph1 £2175
insurance: direct line £1000 fc

leaves u £825 for mods lol

Thats pretty damn good mate! when i turn 19 i'll have 2 years ncb also so that will help quite a bit hopefully, think i could be going for a ph1 prefer the front end on them haha

 

[.Stevo.C.]

Could have closer to 5k by selling my 306 hopefully get 600 or 700 bucks for that.

 

[Jamie]

Why would you have problems insuring a Cup if you have a Williams?

 

[dannyjenks]

not 19 but 20 with 3points

car:172 ph1 £2175
insurance: direct line £1000 fc

leaves u £825 for mods lol

825 quid for direct line to happily take when you do make mods, they are bad for them

 

[Aluco]

Think ph1's are cheaper because they are older

I'm 19, aslong as you have a years bonus and do some shopping around you should be able to insure it for sub £1500 easily, although depends on postcode mainly.

I'd budget about £2500 for a very good ph1/tired cup.

Naaaaaaaaaaaaaaaaaahhhhhhhhhhhhhhhh



I paid £2050 to insure my 182 and the ph1 costs me £300 less. But I'm still on my policy I took out when I was 19. Renewal in december hoping to be about £1200ish..

 

[TimR26]

I'd wait a few years, silly spending fortunes on insurance. Save up and get a minter when your older. I had 1.1's until I was 23 then got my 172 and don't regret not getting a more poweful car sooner.

 

[sideways danny]

god i'm glad i'm 30. screw £2k on insurance. My trade insurance is less than half that

 

[Matt@Stealthsport]

god i'm glad i'm 30. screw £2k on insurance. My trade insurance is less than half that

Glad I'm nearly 40 I pay less than £500 for a modified Trophy with all the mods declared.

 

[gregor182]

yeh im 19 with 1 ncb and i was quoted lastnight 2100 a year for tpft which is a joke. but if you bump the excess up abit that seems to reduce it quite abit. thats a ph2 though, when i was getting quotes ph1 vs normal ph2 the ph2 was only working out to be 10/20 pound more a month. finally yeh the insurance is a killer but if you can afford it then go for it, no point driving around in a 1.1 and hating it everyday and wishing you had got a sport. just my 2 pence

 

[Malky]

I'm glad I'm 32. I pay under 400 for me and my wife on the insurance. Fully comp with protected NCB. Thats with the modifications declared too. And a £250 excess.

Whats the typical excess for young drivers these days when they are paying silly insurance costs of £2k and more?

 

[ForceIndia]

Why would you have problems insuring a Cup if you have a Williams?

Some companies don't quote on cups. One of the biggest selling points of the cup is weight. The ph1 weighs pretty much the same, but you get ac, abs.

 

[Will.]

not 19 but 20 with 3points

car:172 ph1 £2175
insurance: direct line £1000 fc

leaves u £825 for mods lol

Thought direct line doesnt allow mods for under 25s?

Anyway im 20 and im getting quotes of 1600 on a ph2 (1 yr ncb, 3 years driving, no points) but a ph1 is only 100 cheaper.

 

[Ronnie R]

Try bell

 

[jenic]

Naaaaaaaaaaaaaaaaaahhhhhhhhhhhhhhhh



I paid £2050 to insure my 182 and the ph1 costs me £300 less. But I'm still on my policy I took out when I was 19. Renewal in december hoping to be about £1200ish..

Well i did say it depends on postcode, but i got 2 quotes in the end below the £1500 mark with chris knott and adrian flux.

 

[Will.]

Just out of intrest, when ringing a company up for a quote such as adrian flux and brentacre, how long does it usually take? Dont have a landline in my house so will be using my mobile and i dont want to do it if it costs me a fecking fortune.

 

[jenic]

Just out of intrest, when ringing a company up for a quote such as adrian flux and brentacre, how long does it usually take? Dont have a landline in my house so will be using my mobile and i dont want to do it if it costs me a fecking fortune.

5-10 minutes, think flux offer a call back service, not sure on brentacre.

 

[gregor182]

most the numbers are 0800 so will cost quite alot so probs best say going to a mates/ family members house with a landline and it il be free. but when i was ringing last night i got quotes from three different place and it took me the best part of an hour so will end up costing a bomb

 

[Will.]

Parents house it is then

 

[adam172]

Thought direct line doesnt allow mods for under 25s?

Anyway im 20 and im getting quotes of 1600 on a ph2 (1 yr ncb, 3 years driving, no points) but a ph1 is only 100 cheaper.

cars standrd.......................ish been with them since i was 17 (on mydads insurence) this is my first year on my own FC

 

[mark smith87]

My 172 is a ph1 that I paid £1900 for. It needed a few things sorting but overall its been a cracking car. Insurance was cheaper than the wifes' astra 1.6 automatic! Not sure why ,but wasnt about to ask!

 

[Joshua.J]

I was 17 and got insured on a 172 18 now and im paying 1,500 for insurance. But i do have to work an awful lot to afford it all, but going in the navy hopefully next summer so will be all good

 

[Will.]

My 172 is a ph1 that I paid £1900 for. It needed a few things sorting but overall its been a cracking car. Insurance was cheaper than the wifes' astra 1.6 automatic! Not sure why ,but wasnt about to ask!

insurance or the car itself?

 

[.Stevo.C.]

Think the best plan is to phone about tbh had a look on the compare website and i was being quoted 1800 bucks if i was to insure it right now, yeah it's dear but it's still not to bad for my age.

 

[.Stevo.C.]

Why would you have problems insuring a Cup if you have a Williams?

Williams wont be on the road for a while so not really worrying about insurance for that.

 

[alex-avfc]

Glad I'm nearly 40 I pay less than £500 for a modified Trophy with all the mods declared.

Bet thats the only reason you're glad at being nearly 40!

 

[Herr Flick]

bell atw, i pay £1100 FULLY COMP at 20 with 1yrs ncb on a ph1

 

[DMS]

i paid 1700 on my 19th bday on 2 yrs ncb

But you can't learn to drive until you're 17. So that implies you passed your test on your 17th birthday AND got a car and insured it the same day, otherwise you couldn't have 2 years no claims?

 

[gregor182]

But you can't learn to drive until you're 17. So that implies you passed your test on your 17th birthday AND got a car and insured it the same day, otherwise you couldn't have 2 years no claims?

nah not actually. he could be 19 yrs and 8 months for example, still makes him 19 and could of easily passed the test within 6-8months and got a car straight away, think before you post