Insurance!! Extremely Expensive!!

[LJColeman]

Right, ive got a mk1 1.2 clio, quite a few mods done (look at my threads) and basically ive been looking for some insurance, im going to be doing my test in april so will be the first car ive insured , has anyone got any tips on bringing the price down or any good websites??

all the quotes ive got so far are over 4000!! and that cant be right for a 1.2!!

Cheerss

 

[Dave..]

That sounds about right tbh

 

[Matt W]

Your choices are:

Pay the £4k

or get a car cheaper on insurance

 

[DrR]

Right down a list of every insurance company you can think of, get a quote off each one, go with the cheapest.

 

[fearless]

Modded first car without passing your test = bend over.

Usual routes to take would be modded insurers, but I know some have age restrictions.

Flux, greenlight etc. have a search.

 

[TheEvilGiraffe]

Things like the cage will have most of them adding a zero to the wrong end of your quote.

Get a standard car to rock about in / crash for your first year or three. You won't find cheap insurance the way you're going chap :boring:

 

[LJColeman]

it started as a project and just ended up as it is now, im not to bothered paying 4k, its not the money thats the issue i was just wondering if i was doing anything wrong as i thought that was a bit pricey...

 

[LJColeman]

rather pay the 4k than drive around in crap tho tbh..

 

[JackJack]

rather pay the 4k than drive around in crap tho tbh..

same attitude as me lol

Out of interest whats your insurance like without mods? (I am not suggesting driving with undeclared mods)

 

[SC03OTT]

You're both insane if you'd actually pay £4K to insure a Clio. Fact.

 

[JackJack]

You're both insane if you'd actually pay £4K to insure a Clio. Fact.

i wouldn't go as far as 4k tho but id rather pay a bit more insurance to drive a nicer car.

 

[LJColeman]

its not really to much difference, like 500 quid or something like that, think just cuz of the type of car it is..

 

[JackJack]

Oh right.

Its because we're young males in hatchbacks, postcode makes quite a bit of difference too iirc.

 

[Bluebeard]

£4000 to insure a £400 clio! FLOL!!!!!

You lot are fcuking mental.

 

[fearless]

£4k to insure this?

Personally, I'd buy something standard for a few years first. To the insurers, It's got payout written all over it.
​

 

[Kane.]

300 euros 1st time driver at 18 move to spain.

 

[LJColeman]

soo, its my own? and ive built it not bought it and its how i want it, id rather pay to drive that than a standard heap...?

 

[Harpham]

£4000 to insure a £400 clio! FLOL!!!!!

You lot are fcuking mental.

+motherf**king1 ... No disrespects to the OP, but the car doesn't even look good.

 

[Bluebeard]

soo, its my own? and ive built it not bought it and its how i want it, id rather pay to drive that than a standard heap...?

I am older and wiser than you.

Just trust me when I say that you will regret spending stupid amounts on insurance. Come 3/4 years time when you look back, you will think ''What a bellend I really was''.

 

[Kane.]

If you have the money.. Do it. But honestly you could just buy a sport with that money :s

 

[172Ben]

FLOL at £4k to insure that!

Fair play to ya

 

[Harpham]

If you have the money.. Do it. But honestly you could just buy a sport with that money :s

Im actually wondering how much it would be for him to insure a standard 172. Cant be much more than £4k, surely?!

 

[fearless]

In no way am I denying it's your own. From an insurer's point of few though, it's a 17yr old first time driver in a modified car. If you can afford £4k to insure it, go ahead but I doubt you will get it cheaper legitimately.

 

[TheEvilGiraffe]

Just trust me when I say that you will regret spending stupid amounts on insurance. Come 3/4 years time when you look back, you will think ''What a bellend I really was''.

Was about to type the same thing.

Good luck to you.....!

 

[LJColeman]

but i couldnt insure a sport so whats the point?

anyone know much about traders insurance?

 

[Kane.]

Im actually wondering how much it would be for him to insure a standard 172. Cant be much more than £4k, surely?!

After he has passed im sure he could get it for around the same price.

 

[Kane.]

Why couldnt you ?

 

[Munson]

Young blokes aren't a higher insurance risk anyway. All tarred with the same brush IMO. So unfair.

 

[LJColeman]

cuz valver insurance was like 8k and williams was like 10k!

 

[Kane.]

Online quote ? Im sure if you ring them you get a better quote and it would be cheaper when you have a license (do you have a license, cba to go back 1 page)

 

[Greeny.]

lol 4k, f**k that, rather walk.

 

[jenic]

Online quote ? Im sure if you ring them you get a better quote

ding ding ding

fiver bets this is your problem!

I have mates who pay more to insure online just because they dont like ringing places up, f**king tards

 

[Ronnie R]

£4000, £4000!!!!

Don't do it.

 

[Bluebeard]

£4000, £4000!!!!

Don't do it.

I say do it, just so I can be proved right in 2 years time. When you look back and think, fcuk me I could have bought a secondhand porsche Boxster S with the money i've just spent on insuring a 1.1 clio for two years...

 

[jenic]

lets be honest, fronting for the first couple of years saves more money than the bonus is worth

 

[Bluebeard]

I don't understand whats wrong with driving a shitter for the first 12 months just to get 1 yrs ncb??

Fiat Cinqucento, gp 2 ins, Done.

Then when you've got 1yrs ncb, sell the s**t and put the clio on the road.

 

[Ronnie R]

I've been their and done it. I've spent a fortune on insurance and I regret it!

 

[Bluebeard]

I've been their and done it. I've spent a fortune on insurance and I regret it!

I had a £1100 orion 1600i that I bought as an 18th birthday present for myself and spent £2300 insuring it. Prick.

Especially seeing as I wrote it off.

 

[Ronnie R]

I had a £1100 orion 1600i that I bought as an 18th birthday present for myself and spent £2300 insuring it. Prick.

Especially seeing as I wrote it off.

Mine doesn't seem that bad then.

£2500 for a £4500 Clio 172.

 

[Greeny.]

I don't understand whats wrong with driving a shitter for the first 12 months just to get 1 yrs ncb??

Fiat Cinqucento, gp 2 ins, Done.

Then when you've got 1yrs ncb, sell the s**t and put the clio on the road.

Totally agree, even tho saying this my first car was a 1.0 fiesta and cost me 1.2k :/