Insurance for an 18 Y/O - Civinfo
 
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post #1 of 11 (permalink) Old 25th October 2013, 20:01 Thread Starter
 
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Insurance for an 18 Y/O

Hi guys,

I've had my eye on a Type S for quite a long time now while I'm saving money, but one thing I'm worried about is insurance. I've currently got a black box in my Peugeot 1-slow-6, all of the readouts have signalled that my driving is really smooth and sensible. These readouts are apparently available to all insurers, but do they make a real difference?

BUT the type S I really want is the 1.8, fairly large for an 18 year old driver and my worry is that the insurance will be seriously expensive or even worse not even available. After doing a few comparisons using a Type S GT which I believe to be insurance group 11? I've found that quotes have been coming in at anything from £1500-£8000, and John Lewis insurance (to which I have a discount) wouldn't insure me outright, presumably due to the large engine.

Does anyone have any experience in getting insurance at such a young age on a civic? Chris Knott insurance don't insure under 21's from what I've read, and I would only be modifying the front grill, colour coding bumpers and possibly alloys.

Any information or help would be greatly appreciated.
Thanks
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post #2 of 11 (permalink) Old 25th October 2013, 20:42
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Hi buddy I had a type s gt 1.8 when I was 19 so nearly the same age and I was with direct line cost me 1,200 with no modifications so at 18 for it to be 1,500 that dosent seem to bad,
Have you had a look at quin direct they claim to specialise in Young drivers,
Hope that helps
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post #3 of 11 (permalink) Old 25th October 2013, 20:56
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£1500 on a 1.8 is pretty decent pal. However it entirely depends on quite a few factors. My first car 2 years ago at 18 was a 2011 1.4 Type-S. I paid £2200 for the first year. Now I pay around £580 on a Mercedes AMG.
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post #4 of 11 (permalink) Old 25th October 2013, 22:15 Thread Starter
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Thanks for the replies so far, Quin seem like they are quite reasonable I'll definitely do a quote soon Do you know of any other young person's insurance companies?

That's true, it's not always about the car, I live in a safe postcode and also have my blackbox readouts to prove I drive safely.. But I think it's all overshadowed by the fact I'll be 18 and therefore really high risk!
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post #5 of 11 (permalink) Old 25th October 2013, 22:39
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Maybe try admiral - paid £1700 when i was 19 on a Type R
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post #6 of 11 (permalink) Old 25th October 2013, 22:56
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You need to find a specialist company who deal i the specific car and your age.
I got insured on my old MK3 Golf Vr6 when i was 18 for only £958 with HIC i stayed with them until this year when i brought the civic. They wanted £1200 to insure the civic and I'm now 24 years old with 7 years no claims discount. Now with diamond and pay £490 fully comp.
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post #7 of 11 (permalink) Old 25th October 2013, 23:04
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You could try your local broker. Sometimes they can give good quotes out. That's what I did when I got my first car. Tbh £1500 for any 18yo is really good nowadays
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post #8 of 11 (permalink) Old 26th October 2013, 15:14
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I was 20 when I got my 2.2 and I went through admiral and paid £1300 I think
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post #9 of 11 (permalink) Old 27th October 2013, 21:25 Thread Starter
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Quote:
Originally Posted by spadam View Post
You need to find a specialist company who deal i the specific car and your age.
I got insured on my old MK3 Golf Vr6 when i was 18 for only £958 with HIC i stayed with them until this year when i brought the civic.
How would I go about finding a company specialising in a Type S though? I guess the dealer is a good place to start, but I don't imagine them being that helpful unless I buy the car direct from them, which I may not!
I'll have a search for a company specialising in Honda's or something?

To the other replies, it definitely seems like there are good deals out there, it's just a case of trawling through the awful quotes! Do you guys use comparison sites or go direct to each insurer?
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post #10 of 11 (permalink) Old 27th October 2013, 22:03
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Check forums I found HIC through the VR6OC they were a sponsored company gave them a call and they gave me a cracking deal.
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post #11 of 11 (permalink) Old 3rd December 2013, 09:21
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I'm 19 just got my civic, cost me £800 for my insurance with Admiral
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