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Discussion Starter · #1 ·
?2013 with ?600 excess with adrian flux[:(]

I?m 23 and this is my first time at insuring a vehicle in my own name. That price is fully comp with all of my mods declared. I have no points on the license or made any claims. I have been driving since the age of 18.

Does anyone know if that?s the best I will find. My main problem is not knowing what insurers to try for a quote[:(].

Any help would be great. [:)]
 

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AF are usually pretty good but to be honest since you have no NCB (since this is your first insurance) you're going to get this from a lot of people, especially with all the mods you've put on. I would suggest GreenLight but they dont do under 25s.

Sadly what you've been quoted is a "flock off" quote. They dont want your business mate [:(]

I would suggest you purchase a ?100 car and get your name on that to get your NCB up. Then, if you can, insure your Golf how you did before that way you keep the car you want and you get your NCB up without having to worry too much.

Hope that made sense [:)]
 

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IMO you have two problems:

1) Many mainstream insurers won't do mods for under 25s

2) Most mod friendly insurers (Adrian Flux, Grenlight, Brentcare) require one years private NCB+

This is what screwed me to start with. www.insuresupermarket.com is the best site I have come across for quotes, if only as an idea of who to call to ask about mods. I believe Tesco will be mod friendly for under 25s but I don't know at what price. Egg were cheapest for me but again, no mods under 25. Im 22 and with AF now for ?620FC mods declared, but I have 5 years NCB (1 year private, 4 years company car).

Good luck
 

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Quote: posted by vedhead on 01/02/2005 20:01:10

I would suggest GreenLight but they dont do under 25s.

Yes they do! Sure you said this before ved, & Neil from Greenlight came on & said it was over 21, not 25.

I believe they DO ask for one years no claims though. Maybe if you try phoning & explaining the situation they'll take pity on you & waive the paperwork for one year's NCB (got to be worth a try).

Turbodub, try elephant as well - they're mods friendly, you might have some luck with them.
 

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Quote: posted by vedhead on 01/02/2005 20:01:10

I would suggest GreenLight but they dont do under 25s.

Beg to differ but Im 24 and with them [:)]

Unfortunatly the high premium is part and parcel of not insuring under your own name, seems like a fantastic idea at first but then you are stung when you go it alone.
 

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Best way to do it,

Buy an insurance group 1 banger.

Get it legal, insure, tax, etc.

Never, ever use it.

Keep it insured.

Voila! permanent NCB for minimal cost.
 

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Quote: posted by Cat1.4 on 02/02/2005 00:41:06

Quote: posted by vedhead on 01/02/2005 20:01:10

I would suggest GreenLight but they dont do under 25s.

Yes they do! Sure you said this before ved, & Neil from Greenlight came on & said it was over 21, not 25.

I believe they DO ask for one years no claims though. Maybe if you try phoning & explaining the situation they'll take pity on you & waive the paperwork for one year's NCB (got to be worth a try).

Turbodub, try elephant as well - they're mods friendly, you might have some luck with them.

Sowy, i've a stinker of a cold at the moment and my head isnt working too good [:(] [B)] [;)]
 

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Greenlight do insure under 25's. (ive been with them since I was 22) All mods declared.

Turbodub ; -I had to pay over ?2000 for my first insurance with direct line (standard 1.8T only). I was like you but 22 at the time, id been driving company pool cars so no NCB or proof of no claims. I just bit the bullet and paid it. 1 year later i joined greenlight and declared all my "new" mods. 1 year on my policy now and its ?900.

A cheaper car will still be over a grand to insure a 1.6 astra (full comp). Id just do it and be very carefull.
 

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Just to clarify we do insure drrivers aged 21 and over.

Turbodub Give me a call on 01277 263030 qnd i'll try and sort you out a good quote.

We normally require at least 1 years no claims bonus but if you have been driving as a named driver I will be able to allow a good discount for claim free driving experience earnt as a named driver.

Regards

Neil

greenlight insurance
 

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Discussion Starter · #13 ·
Thanks for all of the help guys and girls.

My dads insurance renal came through on Monday hence I thought I better start getting quotes. The policy expires on the 16th of march, so I thought I would start ringing around etc. However I have been told by several insures that they wont give me a quote until 7 days b4 the old policy expires. Can you give me a quote yet Neil. I really want to know what I am up against.

I really should of started a policy when I had a cheaper car with no mods, but the offer from my old man to be put on his insurance was to tempting : (

I think I?m just going to bite the bullet.

Now that I have a job I don?t feel I can get my parents to continue to pay especially as I?m the one who keeps upping the power etc : )

One thing that is vital in my new policy is the fact that I must have some form of agreed value on the car, as I have spent in excess of 10K on top of the original ?12500 the car cost.

At the end of the day If the worst happened I want to receive more ? than a bog standard 1.8T
 

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Quote: posted by GeordieLife on 02/02/2005 17:01:21

Turbo...how much did Mr Neil save u? I think I owe him several beers! ?600+ he saved me!

All in a days work mate [:D]
 

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Quote: posted by Turbodub on 02/02/2005 20:16:39

Thanks for all of the help guys and girls.

My dads insurance renal came through on Monday hence I thought I better start getting quotes. The policy expires on the 16th of march, so I thought I would start ringing around etc. However I have been told by several insures that they wont give me a quote until 7 days b4 the old policy expires. Can you give me a quote yet Neil. I really want to know what I am up against.

I really should of started a policy when I had a cheaper car with no mods, but the offer from my old man to be put on his insurance was to tempting : (

I think I?m just going to bite the bullet.

Now that I have a job I don?t feel I can get my parents to continue to pay especially as I?m the one who keeps upping the power etc : )

One thing that is vital in my new policy is the fact that I must have some form of agreed value on the car, as I have spent in excess of 10K on top of the original ?12500 the car cost.

At the end of the day If the worst happened I want to receive more ? than a bog standard 1.8T

PM'd you about quoting 30 days in advance.

I should be able to allow an introductory no claims bonus for you driving claim free on your parents policy as a named driver.

We do not offer agreed value policies but all modifications will be covered on a like for like basis....for full details visit: http://www.greenlightinsurance.com/likeforlike.htm

Being a Broker we deal with a number of different underwriters, the one that I will be asking to allow the introductory discount have a strict criteria that for drivers under 25 value must be no more than ?15000.

I'll be able to tell you more when i take you details tommorrow.

Regards

Neil

Greenlight Insurance
 

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Discussion Starter · #16 ·
Thanks for the help Neil. I had no choice but to go for adrian flux in the end : (

Maybe next year once I have that 1 years NCB ; )
 

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Well if you have the money to pay for it, it's not so bad. You can't put a price on enjoyment and from the spec of your car you'll enjoy it a lot.

David
 
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