Insurance on R32 for under 25s
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I was 25 when I first bought mine. I'm female, 3 points (SP30), parked on the drive, protected no claims, 8 years NCB, 2 named drivers and 11k miles per year and it was around ?640. Halfway through the first year I added an exhaust as a modification and it was an extra ?17. That was with Elephant.
When it came to renewal this year I found the Admiral group to be the most competitive (Admiral, Elephant, Bell Direct and Diamond) and with the same criteria as above but with only 1 named driver, 16k miles per year and a remap declared it was ?670. If the car was standard it would have been ?550ish. However, Admiral (who I went with in the end) wouldn't cover my window tints so I had to switch companies just 20 days into my policy with them! I'm now with Royal & Sun Alliance through Adrian Flux and it's ?740. I've added mods since and there has been no increase in my premium.
So my advice is to try the online quotes with the Admiral group. Try adding a parent or wife/girlfriend and you may find that it comes down a bit. When I was with Elephant I saved ?80 just by having my b/f and mum as named drivers. The good thing about the online quotes is that you can play around and add/take off the options to see how much they are costing or saving you.
When it came to renewal this year I found the Admiral group to be the most competitive (Admiral, Elephant, Bell Direct and Diamond) and with the same criteria as above but with only 1 named driver, 16k miles per year and a remap declared it was ?670. If the car was standard it would have been ?550ish. However, Admiral (who I went with in the end) wouldn't cover my window tints so I had to switch companies just 20 days into my policy with them! I'm now with Royal & Sun Alliance through Adrian Flux and it's ?740. I've added mods since and there has been no increase in my premium.
So my advice is to try the online quotes with the Admiral group. Try adding a parent or wife/girlfriend and you may find that it comes down a bit. When I was with Elephant I saved ?80 just by having my b/f and mum as named drivers. The good thing about the online quotes is that you can play around and add/take off the options to see how much they are costing or saving you.
i have been lookin into this aswell recently thinking about trading up again!
I am 23 driving since 17, no crashes, 2 yrs NCB, no points, in a low crime rate area and parked in drive way with no mods thru egg insurance and it came to ?1200 a yr (12months) but put my mum on it and it dropped to ?900 a yr
i have tried elephant etc but all prices are very similar! only thing i found with elephant is the 10month renwal no one accepts it as NCB!
I am 23 driving since 17, no crashes, 2 yrs NCB, no points, in a low crime rate area and parked in drive way with no mods thru egg insurance and it came to ?1200 a yr (12months) but put my mum on it and it dropped to ?900 a yr
i have tried elephant etc but all prices are very similar! only thing i found with elephant is the 10month renwal no one accepts it as NCB!
I was 23 when I picked mine up from the dealers, ahhh the memories!
As I still had a few months left on my insurance from my MK1, Bell Direct just wanted ?30 to change the car. When it came to renewal, I had picked up an 3 points (SP50) and I changed my policy a bit.
In the end I was paying just over ?1000 fully comp, 5 years NCB, garaged, etc etc. 2 years later I'm now paying just over ?800.
Jeffers
As I still had a few months left on my insurance from my MK1, Bell Direct just wanted ?30 to change the car. When it came to renewal, I had picked up an 3 points (SP50) and I changed my policy a bit.
In the end I was paying just over ?1000 fully comp, 5 years NCB, garaged, etc etc. 2 years later I'm now paying just over ?800.
Jeffers
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so how come they are so cheap to insure??
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First alternative may be worth a try, they were the cheapest for me, although mines not an R32
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no no, i mean how come the CAR is so cheap to insure........
I wouldn't really call that cheap? About right for the power / value of
the car and the experience of the driver. Im 23 and was quoted ?800 for
the R. Just had a quote of ?1650 for an E46 M3, so the above figures
seem about right to me. You want cheap, try a Fiat Panada - ?177 a year fully comp!
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that is cheap though......
a 3.2 litre v6 4x4..........only ?800..........
compare that to ?3k for me for an escort cosworth........
a 3.2 litre v6 4x4..........only ?800..........
compare that to ?3k for me for an escort cosworth........
...which is insurance group 20 and unfortunately the wet dream of every joy rider and
ram raider in the UK! Its known to be a magnet for trouble like an Impreza
WRX or Evo IVXXXVVIIIVVVVVV. Its all down to risk, and a Cosworth is an
incredibly risky car I would say?
Mines a 2.8 V6 / 204BHP / 4WD group 17 and its ?520 FC.... while a MK2 Golf GTI worth about ?2k would cost me ?900 to insure....
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i'd have a escy cos over a golf ANYDAY
*waits for the flaming*
*waits for the flaming*
Id say it was, esspecially when i was paying ?1280 on a 1.0L Polo for
the first 2 years. Also, it doesnt just go on the cars performance, id
imagine a R32 would be alot harder to steal then a Cosworth and parts
are easier to come by incase your in an accident, gotta take alot of
things into consideration.
Phill.
Churchill are pretty good, especially online, althought they dont like mods that much
I'd really like an R32, funds permitting and have been quoted ?840 FC by Churchill. ?760 for a 4Mo which is the more realistic option all round!
I'm 21 with 3 years NCB, clean liscense.
I thought this was pretty good?
I'm currently paying ?420FC on a 150bhp 1.8 Focus (lowered and chipped)
I'd agree with Mikedav, insurance these days seems to be down to 'desirabilty' as much, if not more so in some cases, as performance. The R certainly doesnt have the reputation of some of the more common fast 'stuff' although i heard they were being targeted for their wheels at one point? A friend of a friend's dad had his wheels nicked in Surrey.
Regarding Elephant 10month NCB policies, I've not had any problems. You only have to tell the insurer who immediately follows the Elephant policy in the second year. When you reach the third year, your proof of no claims will just show 2 years, no mention of the accelerated policy in year one. Hope that makes some kind of sense?
I'd really like an R32, funds permitting and have been quoted ?840 FC by Churchill. ?760 for a 4Mo which is the more realistic option all round!
I'm 21 with 3 years NCB, clean liscense.
I thought this was pretty good?
I'm currently paying ?420FC on a 150bhp 1.8 Focus (lowered and chipped)
I'd agree with Mikedav, insurance these days seems to be down to 'desirabilty' as much, if not more so in some cases, as performance. The R certainly doesnt have the reputation of some of the more common fast 'stuff' although i heard they were being targeted for their wheels at one point? A friend of a friend's dad had his wheels nicked in Surrey.
Regarding Elephant 10month NCB policies, I've not had any problems. You only have to tell the insurer who immediately follows the Elephant policy in the second year. When you reach the third year, your proof of no claims will just show 2 years, no mention of the accelerated policy in year one. Hope that makes some kind of sense?
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...yes..and that was a long time ago! [
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