[thechief]

well, i got a quote today for a 1.8T golf from my current insurers (admiral/elephant). Before i say the cost take this into consideration.........

I am only 18years old

I have had a full UK license with passplus for 18months

I have 1 years no claims discount

The quote was based on a 1.8T 150bhp model, worth 10k. i added my mum and dad to the policy as named drivers, with both boxes checked asking if they have use of another car. I did the same for myself as i have full use of my girlfriends mini cooper S. Annual mileage of 9000miles, in a AB postcode.

the cost....

£1024 [][][]

doesn't seem very much to me considering i paid £1350 the first year i insured my 1.4 (although only paying £600 on it this year was nice [^] )

I am so tempted to get a 1.8T and start all over again but at the same time i'd be sorry to see my 1.4 go after the amount of money i've put into it [B)] I think i'll end up keeping the 1.4 till my policy runs out at least to see what it'll come down to with 2 years NCB [^]

what would you do if you were me? keep modding the 1.4 or start saving for a 1.8T?

 

[NikB]

Personally I'd save for the 1.8T. You've done a good job with that car so you should be able to sell it to another enthusiast for good money.

 

[Chris]

Christ almighty....... the forces of insurance really are against me! 23yrs old, 3yrs NCB ........ £1280 []. These blasted insurance companies are a joke....... they have a right to print money by the looks of things.

Anyway........ having been a 1.8T driver for 2 days....... do it!! Honestly, it's such a huge improvement, not just in power, but handling, comfort, and fuel economy. Ive found myself taking it easier when doing urban driving... i can chuck it in 5th and tootle around (and watch that mpg rise []).

 

[thechief]

Chris, not sure if it'd be an improvement in comfort or handling from my 1.4 hehe! It is so absolutely tempting to just go out and find one to buy!! better fuel economy sounds good though as my 1.4 is pretty poor MPG! This had to happen just as i started bidding on more mods for the 1.4 lol, why buy a gti steering wheel when i could buy the gti itself :S

 

[paradigm1980]

well i'm getting a 20valve turbo, i'm 23yrs old wiv 1yrs ncd, gonna cost me £1600 but worth every penny ....ps..i have 9points too, hehehe

 

[Foxy]

Echo NikB here - move on if you can - get the best money for the existing car via private sale.

 

[GaryM]

It will be a world of difference between the two and considering your excellent insurance quote there should be nothing stopping you making the sensible decision!! 1.8T all the way []

 

[hmi1750]

WOW that is a cheap quote!!

I cant even get a quote online! as i have no NCB but am 22 and have had my license since i was 17, not to mention pass plus and i am insured as named driver on 2 cars (1 of which is a 7series)...

 

[Stevoraith]

Stop modding your car, save some money, wait till your policy runs out, then get a 1.8T when you have 2yrs NCB and it'll be even cheaper!

 

[chrisstevens]

I've just had a quote with admiral, and they want £1700 for my 1.8T i'm 20(very nearly 21) with 3years driving experience but without any no claims! tried it with 1 years no claims just to see and that took it to £1500. You must live in a good area mate!

 

[Toff]

Hmm..

Shame you can't take the stuff off the 1.4 but we all know it would be more cost effective to just to buy the same kit for your 1.8T than it would to remove the kit from your 1.4 and repair the subsequent damage!

- Toff.

 

[ianhg]

i am 21 with 2yrs ncb and i am paying 1000 for my 130pd.if i were you i would go for the 1.8T.

 

[thechief]

Toff,

Would'nt want to save anything of the 1.4 except the seats if it didnt have recaro's, the wolfsburg mats and anni pedals maybe the RCR's too! No point in taking the suspension cause i want KW's next, no point in taking the wheels as i dislike them even tho they suit the car lol. Next car will be lowered and some really nice wheels and a few body mods, no kit this time more power!

When my 2 years NCB is in(august 2004) i'll be 19 with over 2 years of driving experience so im expecting to get it for under a grand at least Looks like 2004 will be the year to get a new car!!

On that note i was in my local VW dealer's and I happened to mention i was looking to buy a new car within a year and it was a 1.8T i'd like. To which he told me they had one sitting outside and as i was going back on tuesday i asked if i would be able to test drive it then? The answer was i couldnt drive it as VW insurance (theres) wouldnt cover an 18 your old but the salesman could give me a run in the car LOL!!!

Chris, yep its a pretty good area i live in, i think AB is one of the lowest crime postcodes there is.

 

[Toff]

Shame..

I think you should re-create the classic "Chief" look on a 1.8T (allbeit different alloys.) I think you'll like having a car with the same look but far more power!

- Toff.

 

[Irish]

Maybe this will push you towards the GTI...I've finally gotten a quote in my own name on my car. I'm 21, full licence for nearly 3 years, driving for nearly 4. Have only been a named driver but no claims (insurance is so mad here they seem to take named no claims into account too) and my quote is €4,100 fully comp.

That's GB£2,900!!

 

[Pottsy]

Irish - that's a shocker mate! My first car only cost me £50 to buy, my second was only £1800 (and it was an 18 month old 200hp V8)....

Now I can see two advantages of being in my thirties:

1. Birds in their twenties want to go out with you,

2. £300 insures almost anything!

 

[Giddy]

Quote: posted by Pottsy on 31/12/2003 09:50:56

Now I can see two advantages of being in my thirties:

1. Birds in their twenties want to go out with you,

2. £300 insures almost anything!

Its a hard life eh! []

I'm 24 2Yrs NCB and pay £1080 with Adrian Flux on my 1.8T where do you live Chief ?

 

[thechief]

Giddy, north east of scotland

Ran the quote again, got it down to £975 haha. And thats with 1 years NCB, when i get one i'll have my 2 yrs NCB and i'll be 19 so i'll expect to get it for under £900!!

 

[Chris]

It's ridiculous in this bloody country how a postcode can make more difference than you're age and driving experience.........

 

[thechief]

I know Chris, Insurance altogether is a bit f'kd up in this country good for me though in this case. Can't complain though as i'll be driving my 1.8T at 19yrs old

Feel sorry for the rest of you paying high premiums, i know how you feel cause i paid £1350 for my 1.4 the first year i insured it!