Ph1 1.4 = RS182!?

[Tails_]

In my first year of driving, I insured my ph1 1.4 16v alize for about £3000 for TPFT. Which hurt.

Purely out of curiosity, I did a quick search for how much it would be come renewal time (with my same company) and it was about £1400 TPFT. Not bad!

Until, I just looked up insurance on a 04 plate 182 (Keep dreaming boy), and to my surprise, it was still only £1400 for both TPFT and fully comp.


Insurance group 4, vs insurance group 16. How did this even happen?
​I might start saving for the 182...


EDIT: Just got another quote from a comparison for my ph1 at £750. Somehow I don't think I'll be staying with aviva when it comes around to renewal time.

 

[Chip-mk1]

Binny on here pays half on his 182 what he did on his runaround he had last year, makes no sense at all!

 

[BLT]

If you are with Aviva then there is no way they would have insured you anyway. I was declined cover when I was 24 as I was told by them you have to be 25 to insure a 1*2 with then

 

[clarkey23]

Last year I was 18 with no no claims bonus and a 172 was £2200 fully comp to insure, I've been sent a renewal reminder of £1300 now I'm 19 and it's nearly due, such a huge difference.

 

[Tails_]

Yeah aviva told me where to stick it when I happened to ask out of curiosity. But it's such a massive drop for me either way. It has to be this beautiful new law about gender.

 

[ThomasBrentnall]

Aviva wanted £4300 for this year (second year insurance) on my MK2 PH3 1.2 16v. Lol no chance. Ended up paying £1430 fully comp with diamond/elephant/admiral which includes break down cover, audio equipment cover, hire car etc!

 

[Zeitgeist0190]

Yeah aviva told me where to stick it when I happened to ask out of curiosity. But it's such a massive drop for me either way. It has to be this beautiful new law about gender.

I'm convinced they just pull a number out of their behind. I had a Mk4 fiesta that was 1800 FC, I cancelled the policy after a while as the car was going off the road and there was no point insuring it, when i came to reinsure it a few months later, it was 3600 FC or 2800 TPFT.
I spoke with Neil@Greenlight y'day and they gave me a great quote that was 100 less than what i pay at the moment and that's with current and future mods declared! current insurance hasn't been told anything, I think they see it as an excuse to put the price up.

I remember they told me the reason their price was slightly higher than others was because they didnt charge me an excess, when I explained to them how I wasn'y exactly planning on ever crashing and paying an excess in the first place they lowered it a bit.
Can't wait to get a quote from them after the coilies and then tell them if they cant beat 750 all in they may sing for my business as I'll be going to Greenlight!

 

[rdoxenham]

Insurance never really makes sense to me, when I was with Admiral with my M3 it cost the same to switch over to my 172 Cup the next year.

Btw, really glad to now be insured with Neil @ Greenlight, extremely helpful and best price I could find.

 

[DrR]

So basically you actually tried shopping about & got a cheaper quote?