Clio 172/182 Insurance Quotes. Please Help !

[nseaman]

Hi

I will be purchasing a 172 or a 182 very soon !!

But my insurance quotes seem to be going up by the day

Im 22, I have had one accident and have 6 points. I have 2 years NCB

I have quoted for a '172 2002' worth £4500

Fully comp best price is about £1700

Or 3rd Party best is £1000

What do you all pay? is my quote reasonable??

Thanks. Nathan

 

[Darren S]

Totally reasonable, I think - especially for the fully comp price. It does go down over time, but don't get your hopes up too much - unless you live in Shetland or the Isle of Wight. Your postcode will be a big factor.

As a comparison - I'm 32, clean licence since I passed at 17 and with over 10 years no claims. My renewal two weeks ago was £580. The 'discount age brackets' of 25 and 30 literally did diddly squat to reduce my premium. For others, it seems to make a big difference?

D.

 

[bradfincham]

with a crash and 6 points your basically a nutter and every insurance company will penalise you for that!

If you had 3 points and no accidents you would be fine.

Im 22, FC on my 172 is £550, with 3 years NCB
I got mine when i was 20 and paid £850 FC

 

[dale172]

brad can you pm me with what insurance comp ur with please

 

[Darren S]

with a crash and 6 points your basically a nutter and every insurance company will penalise you for that!

If you had 3 points and no accidents you would be fine.

Im 22, FC on my 172 is £550, with 3 years NCB
I got mine when i was 20 and paid £850 FC

Bingo - that proves my postcode point exactly.

The 172 will be older than my 182 and not worth as much - but not by a massive margin. Yet Brad's premium is still cheaper than mine....

D.

 

[nseaman]

Who are you with Brad?

Considering my history i dont think the quotes are too bad

Do i risk it 3rd party though?

Ive had my points for nearly 4 years now. Get to 5 and i can say i dont have any

 

[FlameR]

mines a flame red 172. I'm 20, 2 years NCB and my renewal will be 1200. If you trust your driving then up the excess to reduce the premium. Just means if you crash you'll have to fork out more for some of the damage

 

[nseaman]

I believe the quote is with no excess

I will call my insurer up and say stick me some excess on that. I forgot about doing that TBH lol

Im sure they will help. They are a broker and seem helpful

Just need to find the right clio now

 

[FlameR]

double post

 

[FlameR]

I believe the quote is with no excess

I will call my insurer up and say stick me some excess on that. I forgot about doing that TBH lol

Im sure they will help. They are a broker and seem helpful

Just need to find the right clio now

Put your mum n dad on as named drivers (if they have lots of experience and plenty of NCB). brought my premium down by 400 n odd quid last year

 

[bradfincham]

I put my excess as high as i could
mileage limited to 8k per annum
live in the middle of nowhere
car is garaged over night
added my mum as a named driver

It all depends on your postcode, and other stuff

 

[ihategherkins]

with a crash and 6 points your basically a nutter and every insurance company will penalise you for that!

If you had 3 points and no accidents you would be fine.

Im 22, FC on my 172 is £550, with 3 years NCB
I got mine when i was 20 and paid £850 FC

Fook me, I'm 36 with full no claims since I was 17 and I'm paying 800 for the 182, although I do drive 40K a year

 

[bradfincham]

40k a year - hence your more likely to have a crash than me as your on the road more often.

172 is a group 16 which doesnt help either.

Ive had group 16 cars since i was 19 and that helped with previous insurer.

 

[nseaman]

I've got to get one

I will stick the excess up and add parents as named drivers etc...

Looking at £1400 odd i reckon

I will get a rough idea before i get one

And then if i find the right one stick a deposit down on it get the quote all ready for a transfer when i pick my clio up a week later or something

Job done !!

 

[Ja5on]

£780 4yrs NCB 3 points one accident. Im 23yr old

 

[Baldin0]

Hi

I will be purchasing a 172 or a 182 very soon !!

But my insurance quotes seem to be going up by the day

Im 22, I have had one accident and have 6 points. I have 2 years NCB

I have quoted for a '172 2002' worth £4500

Fully comp best price is about £1700

Or 3rd Party best is £1000

What do you all pay? is my quote reasonable??

Thanks. Nathan

ouch, seems a lot to me
Im 21 with 2yrs ncb - £1075

 

[CJ]

Wait that bit longer until the points drop off?

 

[nseaman]

I cant drive a VTR anymore lol :nono:

Plus you have to declare if you have had any points within the last 5 years

Ive still got another year to go

 

[Darren S]

Hi

I will be purchasing a 172 or a 182 very soon !!

But my insurance quotes seem to be going up by the day

Im 22, I have had one accident and have 6 points. I have 2 years NCB

I have quoted for a '172 2002' worth £4500

Fully comp best price is about £1700

Or 3rd Party best is £1000

What do you all pay? is my quote reasonable??

Thanks. Nathan

ouch, seems a lot to me
Im 21 with 2yrs ncb - £1075

Not being funny m8 - look at your location. I'd like to see you get £1,075 if you lived near Manchester, Birmingham, London, etc.

As both Brad and I have said - postcode plays a massive part in the premium...

On a slightly different note, I did manage to get a £1,200 quote from RAC Insurance for an Evo VI. They did however, want excess on the policy of £920....... ouch!

D.

 

[Timmay]

£818

22 years old 2 years NCB

 

[DazG]

Modified insurance policy with Greenlight

£858 22 yrs old, 3 years NCB.

Mods declared, exhaust, suspension, induction kit and alloys

Not bad really!

 

[fuel_slut]

Age 23
1 NCB
mods: inets, remap exhaust and lowering springs all declared
Green Light insurnace: £780

Im happy with that.

 

[fuel_slut]

P.S. I use to pay £1400 in my first year of owner ship.

 

[Mike@Rentech]

How do the prices compare nowadays from 2007?
just interested to know

 

[coooky]

£440 on a 182 10 years no claims and 3 accidents my wife = 2 me = 1

im 36 my wife 34

2 crashes were the other partys fault and she wrote my bmw off

all 3 cars were write offs

and i got a meerkat lol

 

[Brickied40]

I'm 37, got over 10yrs No Claims and a clean license. Car is a 53plate 172 and insured with the Post Office for £150 a year.

I also got a Meerkat!!!