Would you be happy with this quote?

[joshsta]

Just got my insurance renewal, on my 1.4 16V 2004 Clio its £1908 a year or £169.80 a month, this is down from last years £244.18 a month.

I have 2 years no claims and one years driving experience with my mum as a named driver on the policy.

what d'ya think?? Cheers

 

[Kane.]

Still s**t.

Sorry to be negative.

 

[Addicted]

That's quite a saving, but honestly I'd still shop around!

Also, try getting a new quote from your existing insurers, I can pretty much 100% guarantee it will be cheaper than your renewal!

 

[joshsta]

Also just got a quote for a Clio 172 PH2, £266.00 a month from renewal date, think i might be moving on soon

 

[Chip-mk1]

Christ, im glad im old.

 

[Gally]

Jesus Christ!!!!!!!!!!

 

[Adam.]

How old are you?

 

[joshsta]

Still s**t.

Sorry to be negative.

Ive tried Admiral,elephant, brentacre (ive got to wait 2 months untill im 19!!), direct link, co op, seems like ive tried everywhere!!

All of those quotes with others were STUPIDLY high.

 

[Chip-mk1]

How do you have 2 years no claims bonus if you arent 19 for a couple of months?

Is it one of those accelerated schemes, if so I believe they dont transfer well to other insurers so that might be effecting you.

 

[joshsta]

How old are you?

Ill be 19 in 2 Months. I know my age kills it

The insurance told me they have it on the system that ive been driving for 1 year and 2YNC, i was insured the day i turned 17, so technically i have been driving just under.

 

[Adam.]

How do you have 2 years no claims bonus if you arent 19 for a couple of months?

Is it one of those accelerated schemes, if so I believe they dont transfer well to other insurers so that might be effecting you.

Admiral 10 month bonus?

That's a s**t price tbf

 

[Kane.]

I pay a full year in two of your monthly payments at the same age as you.

One good thing about this country.

 

[joshsta]

I pay a full year in two of your monthly payments at the same age as you.

One good thing about this country.

Lucky for you bud

 

[devilsadvocate]

Christ, im glad im old.

Same here.

Mine is £500 and I try to get that cheaper every year

 

[SC03OTT]

Also just got a quote for a Clio 172 PH2, £266.00 a month from renewal date, think i might be moving on soon

You. Are. Mental.

 

[Italian_Job]

Jeez 2 grand for a 1.4, had no idea I could have benn so f**king expensive

 

[Hunty2009]

Im 20 ... 1 years no claims driving 3 years Clio ph2 172 = £1150

 

[Chris.B]

Try Aviva. 15 weeks free atm. Just renewed mine yesterday. 1.2 16v = £439, fully comp for a year. 2 years driving and 2 years no claims and I'm 19. Also I added my nan as an additional driver.

 

[182_Adam]

wow thats a lot! i've got a 182 all mods declared, I'm 22 and got 2 years ncb and i pay £1250 a year with brentacre

 

[LukeW]

I'd shop around mate I'm 19 with 2 years no claims and 2 years driving and I'm paying £1600 for my 182 with Admiral.

 

[slob]

Once you hit 24 , 25 its plain sailing. I run out in sep, got a couple of quotes as low as £329.00 at just turning 26 on a ph 2 172.

My advice as always is, front till your at least 20 - 21 with NO modifications.

 

[Gally]

Buy something more insurable. You'll realise in the long run this is the clever thing to do.

 

[JackJack]

No that's sh1t imo.

 

[Chip-mk1]

Buy something more insurable. You'll realise in the long run this is the clever thing to do.

Financially sound advice, but sometimes being young is just about enjoying yourself not satisfying your accoutant.
If he can afford it and enjoys it then go for it I reckon.

 

[joshsta]

Its only a extra £30 a month from what im paying at the moment on my 1.4! so it IS affordable . Thanks guys going to try avira

 

[joshsta]

Financially sound advice, but sometimes being young is just about enjoying yourself not satisfying your accoutant.
If he can afford it and enjoys it then go for it I reckon.

!!

 

[Gally]

Financially sound advice, but sometimes being young is just about enjoying yourself not satisfying your accoutant.
If he can afford it and enjoys it then go for it I reckon.

But he's not an amazing car. If he was driving a 182 or 172 I could maybe understand but what's the real difference between a nice cheap puddle jumper and a 1.4 Clio? Nothing except pissing insurance money up against the wall.

I just don't see how it makes sense at all.

 

[Chip-mk1]

Gally its a 172 im on about :S

 

[Gally]

It's nearly £300 a month to insure a 10 year old Clio. Just think about that for a second.

 

[Chip-mk1]

It's nearly £300 a month to insure a 10 year old Clio. Just think about that for a second.

On the other hand, its less than 300 quid a month to have the fastest car down mcdonalds, and at 19 that is worth at least 1K a month in blowjobs etc from the teenage girls hanging around impressed by such things.

Its good value really, lol

 

[Gally]

Ah another spin on it! I sees your point. Sadly his mate will be pulling even dirtier birds by actually going out to the pub for a few beers, OP will not be able to afford that.

Lets add the price of the car and upkeep of a ten year old 172... Now who is baller?

 

[joshsta]

On the other hand, its less than 300 quid a month to have the fastest car down mcdonalds, and at 19 that is worth at least 1K a month in blowjobs etc from the teenage girls hanging around impressed by such things.

Its good value really, lol

Omg you basically KNOW everything!!! :lolup:

 

[joshsta]

Aviva just quoted me £1493 a year or £143 a month on my clio

 

[Revels]

Your chums - Yo, Joshta n ting. Mandem, you need to get here quicksharp. The U19 Swedish Beach Volleyball team are here and they have just said damp they get when they see a Clio 172!!! Bare true

You - I am awfully sorry I am unable to attend this evening as I have to save up for a cambelt change. See you soon.

See?!

Although I got my 106 at 19. But that was 'only' £120 a month.

 

[Toby]

On the other hand, its less than 300 quid a month to have the fastest car down mcdonalds, and at 19 that is worth at least 1K a month in blowjobs etc from the teenage girls hanging around impressed by such things.

Its good value really, lol

Nice theory Chip, but it just puts it all into perspective. If you're willing to pay the price for that reason then you're clearly a muppet.

Like Kev says, go down the pub and pull a bird without flashing your '10 year old Renault'

 

[joshsta]

Your chums - Yo, Joshta n ting. Mandem, you need to get here quicksharp. The U19 Swedish Beach Volleyball team are here and they have just said damp they get when they see a Clio 172!!! Bare true

You - I am awfully sorry I am unable to attend this evening as I have to save up for a cambelt change. See you soon.

See?!

Although I got my 106 at 19. But that was 'only' £120 a month.

made me lol

 

[Chip-mk1]

Nice theory Chip, but it just puts it all into perspective. If you're willing to pay the price for that reason then you're clearly a muppet.

Im knocking 40 now mate, I'd happily pay far more than that if it actually got me those results driving a particular car, lol

But I think you are missing the bit where my post was in jest.

 

[joshsta]

Just to be clear, i don't go out pulling in my 10 year old clio, i do it purely for myself because i love my car.

 

[Chip-mk1]

Just to be clear, i don't go out pulling in my 10 year old clio, i do it purely for myself because i love my car.

If you cant think of anything else that you would enjoy for 300 quid a month or whatever, and you can afford it and you dont want to save, then it makes perfect sense to me.

My motorbike I had when I was 17 cost me more than twice its purchase price to insure for a year, which sounds horrific value, but I couldnt have had anymore fun with that money at that age IMHO

 

[joshsta]

I love my clio , its a daily drive, good on fuel, as you said the fastest down McDonald's too! I work full time, and not being big headed but £300 a month on insurance for something i spend every other evening cleaning, is nothing. i did understand you chip , and cheers.