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post #1 of 59 (permalink) Old 31st August 2012, 14:31 Thread Starter
 
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insurance

im 18, 19 in march 2013

one years driving , no years no claims but 1 years driving experience with no claims or crashes etc


my insurance was 2000 on my dads name me second driver ( 57 plate type S 1.8 )

it is now 1500 with a box fitted on my dads insurance ( one of those trackers )

can anyone tel me roughly when i would be able to get insured on a type R......???
my dad says 25!!!! but i think BULL S***! lol
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post #2 of 59 (permalink) Old 31st August 2012, 14:36
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Provided you get your own no claims discount I would say get 4-5 years under your belt. Then you could get a type r insurance at a decent cost. I'm 33 9 years no claims it cost me £360 ish.
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post #3 of 59 (permalink) Old 31st August 2012, 14:37
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Quote:
Originally Posted by will12345 View Post
im 18, 19 in march 2013

one years driving , no years no claims but 1 years driving experience with no claims or crashes etc


my insurance was 2000 on my dads name me second driver ( 57 plate type S 1.8 )

it is now 1500 with a box fitted on my dads insurance ( one of those trackers )

can anyone tel me roughly when i would be able to get insured on a type R......???
my dad says 25!!!! but i think BULL S***! lol
You could now but itll be mad money.

Depends where you live predominantly as a massive factor (after age and gender) no idea what sheffields like insurance wise i know there is a list somewhere of low insurance places etc.

When you get to about 21ish your still going to be looking around £2000 for a type r im 21 my type s is £660 (with a couple people on it) but me as named driver with business mileage but i have 4 years ncb and 4 years exp but a type r would still be around £1500 for me with others on it

Oh and as soon as you change car and you havent had "experience in that car" your premium rises even changing to the same model same age same engine!
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post #4 of 59 (permalink) Old 31st August 2012, 14:41
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I was 20 when i got my first Type-R... I had 0 bonus (as i was previously named on my mums policy)

My first year, with 0 bonus, Fully COMP in my own name i paid £1200 for a Type-R EP3.. then at 21 switched to FN2 and with 1 years bonus went down to 1050... now i'm 22 with 2 years bonus i'm paying £700... just declared my supercharger etc and im paying £1000 again
Will be 23 in november with 3 years bonus, moving to green light hopefully
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post #5 of 59 (permalink) Old 1st September 2012, 01:32
 
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Just looking around for insurance myself, I will be 25 by the time I renew it with 7 years no claims. Some companies want crazy money though. Just listed a couple of results for myself

LV = wont cover under 30's for a Type R
Tesco = £1807
Admiral = £806.66 even though I paid £250 less with them last year
Direct line = £740
Aviva = £706
AXA = £619
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post #6 of 59 (permalink) Old 1st September 2012, 04:23
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I'm 22 with 4 years no claims,,
With my girlfreind 21 no claims and had a crash,

With admiral came back 2nd sept renewal

£820( not too bad)

Try admiral pay it off all as a one and will save hundreds
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post #7 of 59 (permalink) Old 1st September 2012, 09:33
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Quote:
Originally Posted by FrankstaH View Post
I was 20 when i got my first Type-R... I had 0 bonus (as i was previously named on my mums policy)

My first year, with 0 bonus, Fully COMP in my own name i paid £1200 for a Type-R EP3.. then at 21 switched to FN2 and with 1 years bonus went down to 1050... now i'm 22 with 2 years bonus i'm paying £700... just declared my supercharger etc and im paying £1000 again
Will be 23 in november with 3 years bonus, moving to green light hopefully
Who are you insured with?
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post #8 of 59 (permalink) Old 1st September 2012, 09:40
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Originally Posted by rossk1009 View Post
Who are you insured with?
Jesus who are you with?
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post #9 of 59 (permalink) Old 1st September 2012, 10:04
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Really all depends on where you live. I paid £1k for my insurance on my R this year, 23, 2 years NCB, 2 claims.

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post #10 of 59 (permalink) Old 4th September 2012, 15:43
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Quote:
Originally Posted by will12345 View Post
im 18, 19 in march 2013

one years driving , no years no claims but 1 years driving experience with no claims or crashes etc


my insurance was 2000 on my dads name me second driver ( 57 plate type S 1.8 )

it is now 1500 with a box fitted on my dads insurance ( one of those trackers )

can anyone tel me roughly when i would be able to get insured on a type R......???
my dad says 25!!!! but i think BULL S***! lol
Im 20, can get insured now on a Type R for under a grand.

Have a 2.2 Civic Sport atm, under £700 fully comp. 1 Claim.

Admiral are your friend, depends heavily on postcode though.

Would say when your 20/21 you should start looking, most companies say 21 though.

I would refuse to drive around with a tracker.
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post #11 of 59 (permalink) Old 4th September 2012, 15:45
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Quote:
Originally Posted by will12345 View Post
im 18, 19 in march 2013


my insurance was 2000 on my dads name me second driver ( 57 plate type S 1.8 )
Thats also illegal and called fronting, if you are infact the main driver. Bad move tbh.

Always had my cars in my own name with parents as named drivers, not other way round. Also seems to be cheaper.
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post #12 of 59 (permalink) Old 4th September 2012, 15:49
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I've had a quote for when I renew in December (I will be 23, 4 years NCB) for about 700 quid. Admiral are the best by far, especially if you can get a multi-car deal on the go.

I'd say around 21 is the age where it takes a decent drop in premium price.
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post #13 of 59 (permalink) Old 4th September 2012, 15:57
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This has made my day, im nearly 20 (in October) and some of the prices posted here make me think I can switch my 2.2 for a Type-R.......

Dont know if i could part with the orange though !! :/
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post #14 of 59 (permalink) Old 5th September 2012, 09:51 Thread Starter
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well its been done for a year now and never had a problem, its cheaper to be second driver as i carnt get insured on my type S on my own name, i had an astra last year 1.4 5 door with " trims " and a quote on my own name was....£7500, ALSO WITH A TRACKER

if i went on my own name i would be paying 3 grand insurance for a 1000 pound 1L corsa like most of my friends are doing..
would rarther not drive, i build my own no claims as second driver to next year when i turn 19..
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post #15 of 59 (permalink) Old 5th September 2012, 09:53 Thread Starter
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every young driver are on there parents insurance, there is only me and my dad, im obviously first driver, but how will they ever prove that?
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post #16 of 59 (permalink) Old 5th September 2012, 09:58
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I took insurance out in my own name from day 1. The whole insurance in a parents name is pointless IMO. May as well start trying to build your no claims ASAP.
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post #17 of 59 (permalink) Old 5th September 2012, 10:07
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Quote:
Originally Posted by will12345 View Post
every young driver are on there parents insurance, there is only me and my dad, im obviously first driver, but how will they ever prove that?
Hmm no... I never have been.

Took out immidaitely in my own name, must be your postcode area. Unlucky in that respect bud.

Agreed with chap above, take out in your own name asap and start building your no claims.
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post #18 of 59 (permalink) Old 5th September 2012, 10:11
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Hmm no... I never have been.

Took out immidaitely in my own name, must be your postcode area. Unlucky in that respect bud.

Agreed with chap above, take out in your own name asap and start building your no claims.
+1

Always had parents as named drivers on my policy though as it drops the price by quite a lot.

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post #19 of 59 (permalink) Old 5th September 2012, 10:17
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when i was 19 i had a clio sport 182, one years no claims and i was 1500 for my insurance, fully comp, main driver

when u turned 21 i got the fn2 and my insurance was 840 and now is down to 700 and up for renewal in october and i am 22 now

shop about you will get it cheaper! Try admiral always been great for me
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post #20 of 59 (permalink) Old 5th September 2012, 10:52
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Definitely worth getting your own policy and building your own no claims. I've just turned 26 and have 8 yrs no claims now, insured fully comp with protected claims etc for £450 on my type-r. Thats with Sainsburys, over £100 less than what Admiral wanted on my renewal....
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