Insurance, and Hello, by the way

[Izo Azlion]

Hi everyone, to begin with, just been browsing some of the information and saw the forum - figured I'd ask you lot about Insurance, and how to avoid getting your arse kicked.

Now, a little about me; I'm 20, currently I drive a 1.4 Civic (No Vtec, no nothing.) and I'm a named driver on my parents insurance.

I'm looking for a new Civic, and for the money, its either a leased 07 Model, or a 04/05 Model. The problem isnt the car, its the insurance.

I've looked around Confused.com for insurance, and on my parents insurance with their 9 years+ no claims, etc, perfect record, plus me with my lovely SP30 (Some sod with a gun caught me :/) it comes out at around £3200 on a Type R.

Now I know the following is generally "Wait until your older" or "Buy something less powerful." But, well, here I am anyway.

Is there anywhere particularly good for insurance on such cars? Anything I should know?

I'll also add - I'm not looking to kill myself in the first 5 minutes, and I'm not looking to kill the poor thing, but I'd like something to be proud of, and call it snobby, but I dont think I'd be happy unless it was a Type R.

Hope I've made some sense here, basically I'm looking for insurance help/information.

Thanks in advance

Izo

[waynne]

£3200 Thats way too much to be paying for insurance.

Fronting, (getting parents to cover the car for you) usually is very dodgy. You will typically not be able to use the car as the main driver or use it for going to work/college.

You will find that an older car will benefit from a lower premium so why not get a 5-10 year old Integra type R or perhaps even an Accord Type R, they are great fun and should be cheaper to insure than the new Civic Type R.

With older cars this improves even more. If you get a classic you will find the insurance substantially cheaper. Even larger american cars can be insured for less through specialists.

At 21 the insurance will drop and then at 25 there is a massive drop. Getting the insurance 1 day after your birthday can save ££££'s.

[Izo Azlion]

Originally Posted by waynne

£3200 Thats way too much to be paying for insurance.

Fronting, (getting parents to cover the car for you) usually is very dodgy. You will typically not be able to use the car as the main driver or use it for going to work/college.

You will find that an older car will benefit from a lower premium so why not get a 5-10 year old Integra type R or perhaps even an Accord Type R, they are great fun and should be cheaper to insure than the new Civic Type R.

With older cars this improves even more. If you get a classic you will find the insurance substantially cheaper. Even larger american cars can be insured for less through specialists.

At 21 the insurance will drop and then at 25 there is a massive drop. Getting the insurance 1 day after your birthday can save ££££'s.

Yeah you're telling me. Now I've played around with others, like the 1998 Civic 1.6 Vtec Type R....

... And thats more. £3800, or there abouts.

I've yet to phone up somewhere, mind, but is it possible they're putting a premium on to deter people my age getting into a 200bhp car? I wouldnt be surprised, because your average knobhead is exactly that. But it'd be a shame to miss out on this car, because lets face it. Its sexy.

I'll look into older Type R's again though, once I've stopped procrastinating at work!

[HDi fun]

Sadly the insurers look at gathered data and statistics. It means that any of us who want to drive lively cars will pay for doing so.

Try privilege (http://www.privilege.com) and see if they can help. They happily insure me in a re-mapped car which has caused problems with lots of other underwriters.

Privilege is part of the Royal Bank of Scotland group, which includes Direct Line and Churchill, amongst others. They seem to specialise in lively cars and capable drivers so you might get lucky.

[blacklineninja]

Also have a chat with the kids at Adrian Flux and Hyperformance

[Izo Azlion]

Thanks for the pointers, I'll take a look!

I've got a couple of quotes on Integra Type R's:

1998 Model = £1300
2001-2004 Model = £1600

Much cheaper, as in, plausibly cheaper. From Money Supermarket, so thats much better!

[Izo Azlion]

Jus wanna say a quick thanks - I've fallen in love with the Integra after seeing the insurance difference + the '01 onwards look, so its looking good.

[pgarner]

mate try bell direct they insured me for am honda for £900 when other companies were wanting over a £2k that was for a 1.4 that when i was 19
currently doing my bora 180 for £600 standard. Post office who the civic was last insured with wanted wait for it




£1800 to begin with by the time id finished argueing with then it cam done to £1200
that was with only 2 years no claims and 23 years old

was going to sugest staying away from hondas simply coz they drink and are higher insurance. if you cant get the intergra have a lot for 1.6 and 1.8 vtis (160 and 165bhp respectalvly) got qoutes a year ago for the 1.6 vti coupe and bell wanted £400 for me and the wife

[Izo Azlion]

Originally Posted by pgarner

mate try bell direct they insured me for am honda for £900 when other companies were wanting over a £2k that was for a 1.4 that when i was 19
currently doing my bora 180 for £600 standard. Post office who the civic was last insured with wanted wait for it




£1800 to begin with by the time id finished argueing with then it cam done to £1200
that was with only 2 years no claims and 23 years old

was going to sugest staying away from hondas simply coz they drink and are higher insurance. if you cant get the intergra have a lot for 1.6 and 1.8 vtis (160 and 165bhp respectalvly) got qoutes a year ago for the 1.6 vti coupe and bell wanted £400 for me and the wife

I'll take a look, ta - Have to ring though, as the online quote didnt like me o.O :P

[HDi fun]

Online quotes are pointless unless you have a 1.4 Astra and drive it no more than 300 yards per annum.