Mk2 Golf Gti 8v

Discussion in 'Insurance chat' started by peterbarlow1, Jun 23, 2019.

  1. peterbarlow1

    peterbarlow1 Paid Member Paid Member

    Joined:
    Dec 28, 2018
    Likes Received:
    3
    Location:
    West Midlands
    Hello there i am about to turn 17 and all my life i have been in love with mk2 golfs and if anyone knows how much insurance would be for a 17 year old on a mk2 golf gti 8v replies are much appreciated cheers.
     
    Last edited: Jul 16, 2022
  2. rubjonny

    rubjonny Administrator Staff Member Admin

    Joined:
    Oct 31, 2003
    Likes Received:
    3,298
    Location:
    Bracknell
    only way to know is to start looking for yourself, it varys depending on where you live for starters. Its not going to be cheap, unless you can find places which do classic insurance for young drivers (many dont) and/or putting reduced mileage on the policy can help.

    Try the specialists first, HIC, Lancaster, brentacre etc. But prepare to put your MK2 Golf dream on hold for now, drive something cheap and boring to get some valuable no-claims up. Maybe buy a ropey MK2 and restore it while you wait ;)

    MK2 Polo Coupe might satisfy your round headlight fetish for now, if you can find a decent one
     
    Simon Peter Dodgson likes this.
  3. peterbarlow1

    peterbarlow1 Paid Member Paid Member

    Joined:
    Dec 28, 2018
    Likes Received:
    3
    Location:
    West Midlands
    Thanks RJ that's a shame. From your wiring diagrams you are one clever man,

    Have a good day by the way i live in the Wolverhampton.
     
  4. Bl4ckGryph0n New Member

    Joined:
    Apr 9, 2019
    Likes Received:
    8
    I know it is an old thread, but in case anyone wants an indication...its about £3,250 for my 17 year old daughter and E reg Mk2 GTI 8v.
     
    peterbarlow1 likes this.
  5. NateS2

    NateS2 Paid Member Paid Member

    Joined:
    May 1, 2019
    Likes Received:
    257
    Last year I paid approx. £1,200 as 19 year old with 1 fault claim, 1 year no claims and 2 named drivers, 4000 mile annually. This was also with admiral multicar discount of 3 cars, making about it about £1,000 cheaper than the nearest competitor could offer. My car is a J reg Mk2 GTi 8V, although I got quotes for an identical colour and spec H reg car that were £300 more for whatever reason.
    So in short, yes I would say that is reasonable! :)
     
    peterbarlow1 and Bl4ckGryph0n like this.
  6. Bl4ckGryph0n New Member

    Joined:
    Apr 9, 2019
    Likes Received:
    8
    Yes, we did some forward-looking, with just one year of ncb it nearly halves already. It was still a bit more but we put mileage down to about 12K per annum.
     
    peterbarlow1 likes this.
  7. saladman

    saladman Paid Member Paid Member

    Joined:
    Jul 22, 2020
    Likes Received:
    162
    Location:
    West Yorkshire
    Side note on NCBs - I found out the hard way that NCBs expire if you don't have insurance on a car for 2 years. Might be different with other insurers but naffed me right off [xxx]

    Also I believe that 'classic' insurance doesn't count towards NCBs, again you might find otherwise. Good luck!
     
  8. dodgy

    dodgy Paid Member Paid Member

    Joined:
    May 24, 2016
    Likes Received:
    1,000
    Yep it usually expires in 2 years, we got Ed a polo, which was really cheap to insure, plus with lockdown he hasn't had lessons, so basically he has accumulated 2 years ncb without really driving it, so will be good if he does continue with driving but getting a flat has put that on a back-burner for now, and I've got a spare vw sat here.... hmmm.

    Classic insurance is usually 21+ on driver age, but we also looked at mk3 golfs for him, the insurers said up to 1.6 was quite cheap to insure.
     
  9. PhilRyder

    PhilRyder Paid Member Paid Member

    Joined:
    Oct 17, 2020
    Likes Received:
    774
    Location:
    Surrey
    @dodgy you would be lucky to get a sniff on a classic policy until you were 25.
    It is correct that classic policies do not give NCB but my son is on a modified policy with Brentacre and it does give NCB and an agreed value which is good. It's not as cheap as a classic policy but my son is 23 with 1 year NCB and it is £575 on modified Mk2 with 2l 8v and everything declared. Many of the conditions are the same as classic though, has to be parked on drive at night and limited mileage. Makes a big difference if you have a parent on the policy as named driver too. It is the same price as he was on as a 1.3l with Admiral last year.
     
    dodgy likes this.
  10. dodgy

    dodgy Paid Member Paid Member

    Joined:
    May 24, 2016
    Likes Received:
    1,000
    That's a good price @PhilRyder , mine is 230 with flux for the 1.8t mk2, that's both me and Mrs D on the policy.
    Ed's is a learner only policy, with me on it too, but couldn't swap if he passed test so would have been another ballgame then.
    Agree with having a parent or older driver on policy too, didn't realise that some classic schemes don't give ncb, our mg is on classic as is Allie's Green golf and we've accrued it, may be the insurer?
     
    PhilRyder likes this.
  11. PhilRyder

    PhilRyder Paid Member Paid Member

    Joined:
    Oct 17, 2020
    Likes Received:
    774
    Location:
    Surrey
    Interesting, which insurer are you with?
     
    dodgy likes this.
  12. dodgy

    dodgy Paid Member Paid Member

    Joined:
    May 24, 2016
    Likes Received:
    1,000
    Mgf was a classic one through direct line. And the green golf was performance direct the first year, then one if their subsidiary companies for the second, can't remember the name off top of head, Allie sorted that one, as its her car, she followed the link that pd put forward, know it was £82 for the year, my white modified was Adrian flux, Brentacre wouldn't insure it even though they were modified specialist, said 'it wasn't the sort of vehicle that they would insure', odd.
    The polo was with Collingwood, but learner only, not a yoing driver that's passed test.
     
  13. saladman

    saladman Paid Member Paid Member

    Joined:
    Jul 22, 2020
    Likes Received:
    162
    Location:
    West Yorkshire
    Super interesting to hear about other people's insurance experience and costings. I have often thought about how great it would be to see the algorithms / methods insurance companies use to calculate their schemes (perfect word for it IMO ho ho). One tip I found out recently - from talking with the insurance company on the phone - is that they weren't too fussed about lowering if it's less than 50mm. Does anybody know of a list of tips / similar advice when making modification decisions and also looking for new insurance?

    I tend to go with the mantra of give the insurance co as little info as possible, while only providing accurate and honest details.

    Also don't forget about getting agreed value on a classic if you can!
     
  14. caddyboet

    caddyboet Paid Member Paid Member

    Joined:
    Jun 11, 2011
    Likes Received:
    222
    Location:
    Durham
    My advice is always to go with a specialist. My daily T6 is heavily modified and all of the specialists don't charge you any extra so long as you haven't fiddled with the engine. Suspensions, wheels, exhaust, lights, etc all covered at no extra cost and they are always cheaper than the name brand insurers. My MK2 GTI 8V is also insured with a specialist on a classic policy and it only costs me £110 a year on an agreed value (but I'm an old pheasant so that probably helps).
     
  15. harv1in10 New Member

    Joined:
    Jul 5, 2023
    Likes Received:
    23
    Insurance as a young drivers seems to be a joke no matter what im 19 and i payed £1400 last year for 3000 miles social and domestic on my 8v gti
     

Share This Page

  1. This site uses cookies to help personalise content, tailor your experience and to keep you logged in if you register.
    By continuing to use this site, you are consenting to our use of cookies.
    Dismiss Notice