Type S 2.2 - Civinfo
 
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post #1 of 15 (permalink) Old 6th February 2012, 19:32 Thread Starter
 
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Type S 2.2

Why on earth is the 2.2 Type S GT 200 quid more to insure than the 5 door? It's the same car, minus 2 doors and a few door sills.

What a joke.
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post #2 of 15 (permalink) Old 6th February 2012, 21:01
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This is because it is classed as a 'sportier' model, 5 doors are seen as sensibe family cars so are less likely to get abused, also the type s gt is lowered 15mm as standard compared to the 5 doors and has a wider rear track for better stability. This is all taken into account by the insurers so unfortunately for a sportier look you have to pay a higher premium, it sucks really as the engines are the same in all diesels
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post #3 of 15 (permalink) Old 13th February 2012, 15:45
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My 5 door cars (2 of them) were more expensive than the exact same counterpart (yes i am sad enough to check this when i insured them) i think it just depends on the model like honda or vaux etc
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post #4 of 15 (permalink) Old 13th February 2012, 16:07
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type s isnt lower

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post #5 of 15 (permalink) Old 13th February 2012, 16:08
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also the gear ratios are different on the type s 2.2 than a 5dr 2.2

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post #6 of 15 (permalink) Old 13th February 2012, 19:57
 
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Quote:
Originally Posted by Smokey28 View Post
Why on earth is the 2.2 Type S GT 200 quid more to insure than the 5 door? It's the same car, minus 2 doors and a few door sills.

What a joke.

I once saw a £100 difference between a 3dr Mk1 Ford Focus and a 5dr Mk1 Ford Focus. Unfortunately, it's the way car insurance works. If they think a car can be considered in anyway sporty, they will hike the price up.

I recently had to do my insurance renewal. Same details, same car, same insurer, one price from comparethemarket.com (I wanted a meerkat ), and one price from confused.com. There was about £100 difference between the two. Needless to say, I never splashed the £100 out on the free meerkat.
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post #7 of 15 (permalink) Old 14th February 2012, 08:42
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type s isnt lower

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According to this review it is
On test: Honda Civic Type-S (2007 onwards model) - Car Reviews - MSN Cars UK
Other reviews refer to it as uprated suspension, which I think explains why you have to buy different lowering springs for the type S. I may be wrong but this is just what I have read.
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post #8 of 15 (permalink) Old 14th February 2012, 11:20
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i understand mate. when i first joined here the wiki said it was lower but as i went through the process of lowering the car i discovered it wasnt.

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post #9 of 15 (permalink) Old 14th February 2012, 11:56
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Reviews wrong
Wider rear track - yes
lowering - no
Revised damping....maybe.



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post #10 of 15 (permalink) Old 14th February 2012, 21:00
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In that case gentlemen I stand corrected, guess you shouldn't believe everything you read hey!?
I shall never try to compete with the diesel gods when it comes to facts again lol, by the way Coste and Relic I have been greatly inspired by both of your cars and hope I can make an equally impressive one.
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post #11 of 15 (permalink) Old 14th February 2012, 21:02
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dont worry buddy we all had the same mis-information!

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post #12 of 15 (permalink) Old 15th February 2012, 20:21
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Originally Posted by Relic View Post
Revised damping....maybe.
Still crashy as hell with a standard setup!
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post #13 of 15 (permalink) Old 15th February 2012, 20:24
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Quote:
Originally Posted by wellardk9 View Post
This is because it is classed as a 'sportier' model, 5 doors are seen as sensibe family cars so are less likely to get abused, also the type s gt is lowered 15mm as standard compared to the 5 doors and has a wider rear track for better stability. This is all taken into account by the insurers so unfortunately for a sportier look you have to pay a higher premium, it sucks really as the engines are the same in all diesels
If this is the case how come we insure a ctr for around 10% less than a crz and its the same company (aviva)
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post #14 of 15 (permalink) Old 15th February 2012, 22:15
 
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From my one experience if working for an insurance company currently, it's more to do with the claims experience of a particular kind of vehicle......

Example to prove this would be 3 cars......

Honda Civic Type S GT 2.2 Diesel- Insurance Group 10 (old school system)
VW Golf GT Tdi 2.0 Diesel- Insurance Group 14
Audi A3 Tdi 2.0- Insurance group 11

All vehicles are 140bhp (as near to as your gonna get) 0-60 virtually all the same..... Yet the Golf and A3 are deemed more of a risk due to amount of claims, such as thefts accidents etc, insurance companies can only use statistics to calculate a premium.

So to answer the question relating to the Civic's a 3 door will be deemed in this case a higher theft risk opposed to a 5 door I supposed due to the sportier style.

Hope this helps

Last edited by James1989; 15th February 2012 at 22:16. Reason: Spelling issues
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post #15 of 15 (permalink) Old 15th February 2012, 22:45
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Quote:
Originally Posted by atomic View Post
Still crashy as hell with a standard setup!




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