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Discussion Starter · #1 ·
As the title suggests, i was quoted ?5,500 MINIMUM for my R32.

I am 23 years old, the R is garaged. I live in Guernsey which is
hardly the crime capital of the UK but, and here is the main reason it
seems to expensive:

under Guernsey motor traffic offence law i received:

A 1 year ban from driving in all categories for driving with no
insurance (long story but i thought i was insured to drive the vehicle)

A 2 year ban from driving in all categories for driving whilst disqualified and with no insurance.

I tried a few local insurers and most wont touch me with a barge pole,
one quoted approx ?3-4.5k but will have to get back to me with a proper
quote and most UK insurers i called said they dont cover the channel
islands or im too much of a risk.

I tried Adrian Flux who i thought were the best for performance car
young drivers with convictions but they quoted me the ?5500 above.

Any ideas anyone?
 

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Discussion Starter · #7 ·
No thanks, im sticking with the R regardless of insurance costs.
I just thought i would post how much its going to be. itd be
nicer to have it in the bank to spend on other things though.

I live in St Peter Port in an apartment on the former Royal Hotel site.

The speed limit it 35mph but i travel to Europe alot so ill be using
the R over there. A trip to the Nurburgring is planned for
October and next year too.
 

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My aunt and uncle lives in st. peter port....

I have a 3dr 2.0 GT FSi and am 19. Got quotes around 4-5K at the start, but managed to go through a small broker in birmingham and got it down to 1999 quid fully comp.

Would prefer it in the bank, but then again, once you get in the car you forget all about that. still grates a little though when i think my 2.0 hdi pug 206 was only 650 :(
 

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It's amazing how different people view what are acceptable costs when running cars; I know guys who won't spend ?2000 on the whole car let alone insurance. Have to say that imo paying more than @?750 for insurance seems well ott and is just lining someonelses' pockets.
 

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No thanks, im sticking with the R regardless of insurance costs. I just thought i would post how much its going to be. itd be nicer to have it in the bank to spend on other things though.

I live in St Peter Port in an apartment on the former Royal Hotel site.

The speed limit it 35mph but i travel to Europe alot so ill be using the R over there. A trip to the Nurburgring is planned for October and next year too.
Good for your! You just have to bite the bullet - I paid insane money in my 20s insured on an M3, but it was worth every penny.
 

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wahoo, i got a quote of ?2200 from a local broker so now im quids-in and can spend the rest on something more worthwhile than a scrap of paper with Comprehensive written on it hehe
LOL.....well you have got more money than sense IMO. Either that or rich parents or a large inheritance LOL. Any one running a book an how long it is before the R32 is written off (chuckle).

Try Greenlight Insurance and see if they are any better.
 

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under Guernsey motor traffic offence law i received:

A 1 year ban from driving in all categories for driving with no insurance (long story but i thought i was insured to drive the vehicle)
A 2 year ban from driving in all categories for driving whilst disqualified and with no insurance.

I tried a few local insurers and most wont touch me with a barge pole, one quoted approx ?3-4.5k but will have to get back to me with a proper quote and most UK insurers i called said they dont cover the channel islands or im too much of a risk.
The reason they will not touch you is that firstly you got caught driving with no insurance, then got banned for it and then decided to go out driving again and got got caught again....DOW.

Insurance companies REALLY frown on that type of activity as badly as drink driving. Its about one of the worst things anyone can do. Probably does not help living somewhere small like Guernsey and driving a very distinctive car like an R32 (being so young looking probably).

?2000 is about wright probably but if you are determined to drive again then you might have to just pay it.

Is this fully comp or 3rd party?

How did you get pulled over?
 

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Hardlines on those crazy costs 50p :-(

It annoys me come renewal time insurance companies/brokers seem to just send any old inflated value out.
And it's all so subjective, where you live, what you do for a living, what risk you are.... it's not as though the car costs any more money to repair or replace due to any of these things. When new I couldn't even get a quote without having Tracker fitted...... yet I know many other R32 owners who didn't ! -
Although not using 100% no claims bonus on my R32 policy (saved for my more modified and valued Corrado)... But my initial renewal this week was something crazy like ?1,500 - a few phonecalls and other quotes and I managed to get this down to ?800 - Why couldn't they have just given me a more reasonable quote in the first place?!?
Out of interest I've just moved away from A F1ux to Gr33nlight who gave me a much better deal :-/
 

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And it's all so subjective, where you live, what you do for a living, what risk you are.... it's not as though the car costs any more money to repair or replace due to any of these things. When new I couldn't even get a quote without having Tracker fitted...... yet I know many other R32 owners who didn't ! -

- a few phonecalls and other quotes and I managed to get this down to ?800 - Why couldn't they have just given me a more reasonable quote in the first place?!?

Out of interest I've just moved away from A F1ux to Gr33nlight who gave me a much better deal :-/
Because the type of person and where you live alters the risk of you having a claim. Yeah it will cost the same for the same amount of potential damage, but there is a higher risk of having a claim, so you pay more.

They do that, cos they hope that like many people, they choose to just blindly renew with the same company cos they can't be bothered to investigate it. If they took the trouble they could save themselves quite a nice wodge of cash. Sure they make lots of money by quoting a high renewal premium.

I've just done the same.. started yesterday too !
 

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?1,311.45 for me, 22 years old with 3 years NCB and 1 declared accident (my fault). As said tho, you can't blame them for quoting so highly when you've got 2 major convictions. Could try looking in the back of max power as I seem to remember there being a lot of companies aimed at people such as yourself advertising there. Was 5 years a go when I last read it tho so things may have gone more up market [:p]
 
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