insurance for 18y/o on 1.2 16v

[Richard 1.2]

hi, does anybody know of an insurance company that will quote me (18years old with 1 write off lol so no ncb) for less than 1500quid!!?? im with churchill at the minute but they dont allow any mods until im 25!!!!!!!!! not even replacement alloys! the theiving B******S lol... so anyway, my query is - a company who will insure mods on an 01plate 1.2 16v clio dynamique for an 18year old... im not asking for you to fill in loads of net forms or anything, just if you know of any1 who is 18 who has low insurance and costing them less than 1500


thanks very much, would really appreciate it.

 

[Reyes]

I'd suggest Quinn, i'm now paying 1300 1yrs ncb 1.4 2002 16v. Quinn are good with young drivers

 

[ditz]

with quin at 18 mine was 900 quid third party

 

[Richard 1.2]

i think iv tried quinn before and wer expensive.. ill try again now and see.. thanks

 

[E11OOT]

with a write off i think 1500 pounds is about right, you could try putting your mum/dad as first driver for a couple of years.

 

[Reyes]

Did you do it online or ring em? they say its cheaper online but its actually cheaper when you ring

 

[joshhatton]

im 17 and havea 1.2 16v as my first car

im paying 1350

o but thats with 1 year no claims from my motobike, with lexham

 

[Welsh Black]

Im 18 with RAC payed £700 this year they charge 10% extra for each mod

 

[Richard 1.2]

payd online... iv just tried quinn and they quoted me

Annual Payment:
£2,165.82

:O they must be avin a laff lol... i thought they wer meant to be cheap!!! i get proper cheesed off with this insurance lark i tell ya lol

 

[Poopensharten]

admiral elephant or bell, (EUI)

Thats horrendous, although there are a million factors to insurance, crime zones, what your using it for, and the cover you need...

Think of it this way, would you rather pay a few hundread extra quid for mods or would you rather pay £2000 for insurance on a slightly faster car?

I had a C2 GT when i was 19 and was paying £1500 for the first year got a years ncb then it went to £800

 

[Richard 1.2]

nice one.... i just tried quinn again but with my dad as the policy holder and me as a named driver... lol.. this makes me laff.. wait for it!!!...


... tadaaa!!!!... Annual Payment:
£2,982.53

lmfao!! what a joke.. its really annoying me now lol

 

[Reyes]

RING THEM. that way you can persuade em to get a lower price

 

[Richard 1.2]

PMSL

£ 2953.25 WITH RAC! lool ill get me mother to ring up maybe tomorow.. im not good at persuasion lol

 

[christian rea]

go on your rems insurance

 

[christian rea]

PMSL

£ 2953.25 WITH RAC! lool ill get me mother to ring up maybe tomorow.. im not good at persuasion lol

dont get done get dom!

 

[brownale01]

mate was with nationwide for my first 2 years and it was 950 for the second year with 1 years ncb then went to more than and it is 550 for 2 years ncb

 

[kic]

1500 about right IMO, i'am paying 1700 + 850 excess for my 1.2 16v thats me 19 y.o with lisence 1 year but no NCB. insurers are dirty stinking money grabbing C**TS, and be prepared if you have an accident (touch wood) you'll soon find yourself out of pocket when these C**TS are supposed to help you, i'am in this situation at the moment

 

[scottyb]

thats really high. ive just bought a 1.2 dynamique billabong and im £1400 tpft for a year

and im 17 and its my 1st car.

insurance companies are just a bunch of theives.

 

[Martin_172]

18, 1yrs ncb, admiral, £1500 fully comp. thats on a 172 so you should be cheaper

 

[Josh2005]

17, 0 Years NCB, £2100 tpft with a Racing Puma.. Hence why its stuck in the garage atm!

 

[Martin_172]

^s**t isnt it! ^ , i payed £2500 tpft on my 172 at 17 was worth it though

 

[Josh2005]

yeah, 1 of the most depressing things ever! especially when you've got parents nagging saying the whole "start off with a less powerful car" etc to be honest though 1.7 Racing Puma isnt exactly the most powerful car on the planet.

 

[Martin_172]

yeah, ull be fine, i had my 1.2 16v for just under a year (well had it for 2 years but only driving it for just under a year) then got the 172 and was fine, as long as you dont drive it like a tit overtaking on corners etc trying to show off! but that goes for any car not just fast ones!

 

[Richard 1.2]

lmfao!! admiral arent any better either.. my 1.2 is a grand total of

Your quote:£2585.59


bloomin ridiculess!

 

[Chris_Cliomk1]

18, 1yrs ncb, admiral, £1500 fully comp. thats on a 172 so you should be cheaper

Who else have u got on the policy mate cause iv been lookin to get insurance on a 172 in a few months when im 19. got no ncb an been quoted 1800. sound about right?

 

[Chris_Cliomk1]

im 17 and havea 1.2 16v as my first car

im paying 1350

o but thats with 1 year no claims from my motobike, with lexham

Lol cummon!! u mean moped dont u!! gutted for some!

 

[Marshallahsram]

i had a mini one at 17 that cost £2.5k to insure in my own name. I wrote that off, then got a 3 year old 1.2 16v clio, nine months into my policy. Come renewal time that cost me £2k to insure!! Crashes are VERY expensive! lol

 

[quikshine]

thats awful! but most of them will rape you cause you are young! Im 23, held licence for less than 6months and im with quinn direct! Mine was £771. I have declared all my mods, and also put the value of my car up to cover the cost of the mods and it didnt affect my insurance premium! I got it in writing just to be safe!

Mods include:

lowered 40mm
twin exhaust
full half leather interior
182 alloys
sideskirts
rear 182 bumper
colour coded
and lots of other smaller things

I was expecting a increase, but was surprised when they all made no difference!

Waa hey! I know its prob cause im 23, but I cant say a bad thing about quinn!

Good luck finding something suitable! Have you gon onto confused.com? Makes it easier to compair quotes!

 

[mattyd84]

try norwich union, they are pretty good i had a 1.25 fiesta and they gve me a good quote on tht, just add a parent to it as a 2nd drivier and u shud be fine, if not use direct line

 

[Chris_Cliomk1]

Apparently quinn direct only charge on mods that "directly" affect performance. Therefore all ur colour coding and stuff is fine which is why theyv not charged u more. Im surprised that theyv not increased the premium due to the exhaust and springs though!

 

[quikshine]

Im surprised that theyv not increased the premium due to the exhaust and springs though!

So was I!!

Thats why I got it all in writing from them instead of just a phone call so I have evidence to fall back on if the worst happened and incase they turned round and said that those mods werent on my policy!

 

[Chris_Cliomk1]

yeh my mate did the exact same thing now i come to thing about it, he got an exhaust on his his an they didnt raise it so he asked for it in writing aswel. Might just be engine mods then an nothing else.

 

[Richard 1.2]

lol i think my mums on the insurance im not sure i cant remember now.. hhmmmm

well iv tried loads of other insurance companies etc admiral, quinn, rac and they're all expensive.. i would love to own a 172 or 182 but tbh i doubt id be able to afford 1 when im bloomin 30 lol takes the pi$$! no matter where i look the cost is through the roof and there is no way i can afford a better car grrrrrr just makes me wana *BEEP* *BEEP* *BEEEEEPPPPPPP* lol grrr makes me so stressed lol.... im gona try that lexham 1 now c what thats like.. bare with me a sec or so...

 

[cafcross]

try elephant. will be cheaper as they do the 10 month accelerator bonus

 

[Richard 1.2]

iv tried lexham now and they rung me up saying they couldnt quote me because of my write off where i was payed out roughly 2750

 

[Richard 1.2]

lexham wont insure me :O tha sods!

 

[Da]

Haven't read the full thread but Swinton specialise in young drivers with claims/convictions. Might be worth a shout!

 

[Richard 1.2]

just tried getting insurance on a 172 from gocompare.com

they quoted me just under 6000 lol but then again... im putting my actual date of birth in.. i could try puting my date of birth to 1989 so then i can see what sort of premium it comes out at

if i put myself as a miss instead or mr its only 3000 lool pathetic how the female population has dominance over the insurance market lol tut... they are just as bad drivers if not worse so i dont see how they should be let off 3 grand! lol

if i put it so i have 1years ncb (with my d.o.b at 1989) it comes out at..

£4,280.44 with 1yncb and my accident claim (this is what it would be if i was to renew with a 172 next year when im 19)

£3,682.48 with 2yncb (this is without any claim and 2years ncb)

it makes me sick! lol

gocompare quote me at 3500 for next year which is not bad compared to 6000 lol.. still a rip off though almost the price of the car itself!

 

[Mark One]

swinton are my best quote by far

 

[Richard 1.2]

oooh.. getting better, from swinton i received a quote (with my proper age and my claim in too) 2,947.99 for a 172 only tpft though

its getting better all the tiimmeeee!!

lol although to the side it says Insured with
Sabre Insurance Co Ltd - SABRE FULL CYCLE

so i presume that its sabre thats the companie insuring me