Right, here goes...
I passed my test in October 2005 (19) and paid £300 p/a as a named driver on my dad policy driving a 1.4 Seat Ibiza, S reg.
I had an accident in it after 9 months of passing my test, hit the back of a VW Bora at 40MPH, caved the front in, write off!.
After that I drove the original 1.3 Fiesta I bought that was still in the garage after deciding I wanted the Ibiza. Can't remember the insurance on that though. Then in Oct 2006 (20), I got my Civic EP2, 1.6. Insured it fully comp, my policy, car in my name, mum as named driver and because of the write off, the cheapest I could get was £2100 with £650 excess.
Over the years of driving the same car my insurance has gradually plummeted and when I hit 25 last May my excess followed along to being £150 total and my cheapest quotes are now just over £400.
I hit 26 next month and come October when I want to get a Type S I will have been driving 7 years and have 6 years NC. I've been getting quotes atm with the 6 years driving and 5 years NC on a Type S and they're the same as my EP2 just over £400, Got a quote on an FN2 and it was £524 and both of those will come down a bit further when I get quotes close enough to October to include 7 years driving and 6 years NC. All fine and dandy, never had an insurance hike and I managed to stay with Premium Choice (Equity RedStar) when they matched my best comparison quote last Oct
Here's what I don't understand:
I resubmitted the Type S quotes on confused to include the mods (or rather OEM tweaks) that I planned on doing to the Type S when I get it, (I won't be doing any special mods because i'll be happy with how a Type S looks).
Colour-code the skirt kit
Type S grill badge and stickers
Type S spoiler
All standard Honda part and optional extras.
On confused I added 'Exterior decorative changes' and 'Spoiler - rear'
The quotes went from just over £400 to £800+?!!!. I noticed confused had removed the 'Spoiler - Optional Extra' tab in the mods list so could only go with the other spoiler option.
Highlighting those 'Modifications', does Confused and the insurers automatically think it's aftermarket or is that what they want to charge for them OEM or no?
DOUBLED!!! For some paint and plastic.......Unbelievable!!!