Bit bored, so I decided to get some quotes from Confused.com; Decent postcode, 31yo, 3-points, 5 years NC. The Mk3 (declared as lowered, and valued at 1000) comes back at 800 TPFT, 1700 Comprehensive... Brand new Mk6 GTI comes back as 770 Comprehensive... WTF??? How can a 14yo Mk3 be more expensive to insure than a brand new 30k Mk6?? That`s nothing, though... New TT RS? 1100 Comprehensive. That`s a 50k car FFS... And the icing on the cake? The Mk2 with as many mods declared as possible (for some reason you can only pick 6) 9,999 TPFT!! Utter madness, I tell thee...
I got a decent quote from Moneysupermaket.com.... the best there is.. If all else fails mate, try Adrian Flux.. Im 33yo, 4 NCB, car valued at what I bought it at (600) my insurance is 325 fire and theft inc Key care.. and driving abroad..
That`s what I reckoned, but I still can`t my head round the logic... They surely can`t be assessing risk based on car type= type of driver?? If I was a complete high risk tool, and wrapped up the Mk3 then their maximum liability would be just 750 (1000, less excess), but still they want nearly 2.5 times that as the premium. It seems they see a lowered car as being driven by someone who is high risk, whereas the same person (all they have is my name, address, etc) in a `sensible` new car is obviously barely any risk at all, where in reality I could still be a tool, and their liability would be the thick end of 30k... Bonkers, if you ask me... Oh, and I don`t actually need a quote. I was just curious. Brentacre will be sorting me out next month as usual.
they think you are a crazy boy racer and that you are likely to drive 100mph into a bus queue and a Bentley dealership. Whereas a new standard scooby or Evo would probably be less but obviously capable of making a much bigger mess
It's probably not just the driver who's high risk. The assumption may be that the further you change the car from manufacturers spec, the less tested it has been and the likelihood is greater that it's been put together by a numpty, both resulting in reduced safety and likely to cause an accident.
Nicely said. On that note some tool has lowered MY car and not set the camber right, so now the steering wheel is left hand down, and apparently tracking it wont make any difference
its all done of statistics, modified cars % wise must end up in more accidents. The computor cant differentiate between a boy racer saxo and your mk2. To them its all the same. Even as a young driver, if you pick unusual cars (for a young driver) you can get cheapish insurance. How many young drivers drive/insure a BMW Z3? my mate drove one at 19 with a 2.1 engine (IIRC?) and insurance was dirt cheap. Check who drives them mainly - women to the health club and thats about it. Hence statisticaly low amount of accidents
I always go to the worse quote to have a laugh, the best/worse one was for a Audi 18t v reg, Price? 35,000 Put a price in for a Aston Vanquish worse price 4000 ????? I'm 37 got a clean license and 4 yrs ncb But i do drive a truck, so they must think i'm going to fall asleep after eating all my pies and drive in to a load of children coming out of school.
You forgot the prostitute murdering en route I was quoted 11,000 for a standard mk2 driver a couple of years ago
Fair point, but then a 90bhp MK3 TDI is hardly the last word in boy-racerdom, lowered or not... The quote for the Mk2 just made me laugh though I understand why it`s so high; the Mk2 has always traditionally been a `boy-racer`s car` in the eyes of the general public, and as soon as you tick the `engine - non standard` box the high street insurers have a thrombo... Hence why it`ll be insured through a sensible specialist.
