[Uzi9]

Ok, for those of you who know my story or have read my recent posts I would just like to say that my GTI dream is over. I am completely unable to get any kind of realistic quote despite my best efforts and the car is no longer viable. I can afford the car but 3k+ a year for insurance is madness. I am a 22 year old dentist, 1 years ncb. Ok, I am young but the quotes I am getting are ridiculous. I had original quotes that were not honoured due to mistakes (not by me) and now I stand to lose my ?1000 deposit. I will go to VW tomorrow and find out. Also I have been told that I may have to pay an admin charge on top. I dont blame VW or hold any resentment towards them as it really isnt their problem.

Words cannot express how gutted I feel right now. I got to see the car and have taken 1 pic for posterity. I cannot bring myself to post this pic or look at it for that matter. At this moment I feel really annoyed that I am expected to subsidize other people's discounts. I am allowed to practice dentistry on joe public but cant be trusted with a car that has more than 75BHP. Since when were fast cars reserved for over 25's/30's.

Also if anyone wants a highly specced Diamond black GTI (see my sig) contact Verve Glasgow. I have to say that Verve have been good throughout this process. Whoever gets the car, please look after her []/

 

[SuperMario.Dave]

sorry to hear it

have you tried Liverpool and Victoria?

 

[KuniD]

Tried Egg or Norwich Union?

I've been driving for 5yrs, but under someone elses policy so I haven't built up an NCB (stupid I know, there was something in the pipeline but it didn't work out.) I've been hunting for quotes for my 2.0 TDI (group 13, I'm 23, 0yrs NCB) and Norwich Union have quoted me ?910 and Egg just over ?1000.

At 22 you are quite young for a group 17 car, but don't give up just yet! [] Good things come to those who wait and all that, just keep hunting around!

 

[Russell]

Try www.belldirect.co.uk they claim to offer good quotes for Golf's.

 

[KuniD]

Mate don't forget we have an insurance forum here, with a few people who work in the trade and can probably sort you out a great deal inc forum discount! IE Neil @ Green Light (he's a member here, and they specialise in these sorta cars!)

As long as you've got 1yrs NCB they should be able to work you out a decent quote. It'll still be sorta high, but a lot less than 3g's!

 

[fatbob]

Mate, the curse of the young - sorry.

At the end of the day, who you are isn't defined by what you drive. Your 3K p/a is better spent... by saving for a real mofo in about 3 years!

Meanwhile, drive the crappers, don't worry about parking anywhere and enjoy life!

 

[ShiftyDriver]

Adrian flux I think specialise in young driver in high performance cars.

Do you have parent who would get insurance with you as a named driver. I know this made my 17 year old brothers insurance much much cheaper. He has a 2001 black polo, 1 litre petrol. His own pollicy would be about ?1700. Being a named driver on our mums pollicy it was ?560. DONT GIVE UP YET MATE!

 

[Mikedav]

You can't give up because of insurance!!!

I don't know where in Central Scotland you live, but I just put a 22 year old male with 1 years NCB and a reasonable postcode into Tesco Insurances quote engine and got ?1522. Which is stupid money considering the car IMO, but its still better than ?3k...

Have you tried www.insuresupermarket.co.uk?

 

[Uzi9]

Tried them all. Neil at greenlight, lv, egg, aa, elephant, bell direct, tesco, direct line, admiral, arian flux, churchill, admiral, confudes.com, insuresupermarket, esure, more than, endsleigh, sainsburys, halifax, loads of locals, loads of dodgy ones I wouldnt even trust a gokart with. My favourite was VW insurance. The guy sounded really helpful and eager to help - he wanted ?5000+.

I know it seems that I may be giving up quickly but I am getting absolutely nowhere. I've really tried everything. I have tried various approaches (Mum/Dad as main/named drivers etc), drive/garaged. One guy told me that the car wasnt for me and that VW shouldnt have sold it to an under 25. I really thought that the GTI was a young persons car (or for those young at heart). It turns out that insurance companies would much rather have company car owners who dont give a rats behind about the car. If I spend 24K on a car, am I likely to misuse or abuse it. If I get a small bump, am I likely to make a claim which will end up costing me hundreds (?thousands) in future premiums. Insurance companies see people like me and think great - another sucker- we will charge what we like and we know he wont claim because he cant afford to. We will use the money save to knock 65 quid off the older drivers premium.

Listen, sorry about the rant guys, I am just reall upset and thanks for all the help and suggestions. This is a great forum

 

[KuniD]

On the Norwich Union site you can set your Excess to something stupid like a max of ?1020, this normally spits out cheaper quotes. Maybe try and also a parent as the primary (or additional either way.)

Tried the high excess?

 

[Uzi9]

Quote: posted by KuniD on 14/04/2005 22:42:44

On the Norwich Union site you can set your Excess to something stupid like a max of ?1020, this normally spits out cheaper quotes. Maybe try and also a parent as the primary (or additional either way.)

Tried the high excess?

I set it to the maximum on all sites (didnt think it was a grand though but I may be wrong) but nothing doing. Bell direct were actually about the best but still not good enough. My postcode isnt great but my estate is secure and there are plenty of decent cars and nice houses.

When it comes to forming a quote, insurance companies will look at the smallest details e.g. slightly larger wheels, slightly higher mileage, small interior mods from standard etc and jack up the premium. When it comes to the important stuff like where you live, they use ridiculous imprecise techniques.

 

[Foxy]

See if Reflex can help ya! He's an insurance guru......

 

[Mikedav]

Quote: posted by Uzi9 on 14/04/2005 22:37:21

One guy told me that the car wasnt for me and that VW shouldnt have sold it to an under 25.

Well he needs a slap, because thats rubbish. Just look at the members on this forum. Plenty of 200BHP+ owners from 20 upwards, all with cover. I think its more likely the NCB causing you issues, but even so I don't get it. Here is my 22 year old who now has a Stirling postcode (I guessed, somwhere in central Scotland!), 1 years NCB, new GTI.

IMO If you aren't gonna mod, buy online, don't use the phone. Less questions, cheaper cover.

 

[TouranMan]

LOL @ the name MikeDav!!

Hope you get something sorted out UZI, it would be a real shame to have to back out now mate.

 

[jrw]

Even if u dont get cover, still get the car and sell it private, you may even get more back as they are hard to get hold of!!!

Dont lose hope, i pay ?800 with no ncb on a brand new 130bhp bora!

 

[Uzi9]

Quote: posted by Mikedav on 14/04/2005 22:57:01

Quote: posted by Uzi9 on 14/04/2005 22:37:21

One guy told me that the car wasnt for me and that VW shouldnt have sold it to an under 25.

Well he needs a slap, because thats rubbish. Just look at the members on this forum. Plenty of 200BHP+ owners from 20 upwards, all with cover. I think its more likely the NCB causing you issues, but even so I don't get it. Here is my 22 year old who now has a Stirling postcode (I guessed, somwhere in central Scotland!), 1 years NCB, new GTI.

IMO If you aren't gonna mod, buy online, don't use the phone. Less questions, cheaper cover.

Mikedav - thanks for the help, I really appreciate it. You have actually taken time to get a quote and post up a pic. What a guy, thanks. (and didnt notice the name [] until now). I just tried tesco again and they were just under 3000. ?2992 with full excess. That is not too shabby at all (relatively speaking). Tesco were one of the few that I spoke to on the phone and they asked me a great many questions. I spoke to most companies on the phone if the internet quote wasnt great but, like you say, it rarely helped. I think my area is particularly poor. I really have triedguys but I need to hit 2000 for this to be viable as it is a really expensive car to begin with.

You guys have made me feel SOOOOOO much better and I feel that I will actually get to sleep tonight (unlike last night). People have been saying that this forum has been going downhill etc. I dont know if this is the case but there really are some truly great forum dudes on here. And hey, If I dont get a GTI now I'm sure I will eventually (or maybe something better []). Thanks again guys, you are a great bunch. I will probably stp bugging you guys (as much) in the mkV forum and will continue to moan about my flagship 1.4E.

 

[Uzi9]

Quote: posted by jrw on 14/04/2005 23:09:27

Even if u dont get cover, still get the car and sell it private, you may even get more back as they are hard to get hold of!!!

Dont lose hope, i pay ?800 with no ncb on a brand new 130bhp bora!

that is a great quote wow. I am frightened to buy the car in case I struggle to sell it as it will cost me a fair bit of money. I would hate to take it home and know that I couldnt keep it. If I did that then I may end up keeping it and paying 3k a year insurance which is madness. 3 thousand buys a decent car. thanks again

 

[Mikedav]

I just wanted to prove I wasn't making it up LOL. I wouldn't pay more than ?1200 for insurance so I don't blame you, that just sucks - looks like its doubling because of your area. [] For the record at 21 my 2.8 Bora was ?720FC, and now Im 23 its ?620FC mods declared with Adrian Flux, hence my suprise at your quotes.

[:O]

 

[simch]

Do you have any convictions?? Why can you not get the 1400 odd quote off tescos?

How much is the insurance on the 1.4??

What were the errors made on the quotes you originally got, and how many insurers made them??

 

[KuniD]

A bit cheeky but have you checked quotes for insuring it at a relatives place (grand parents, uncle etc)?