DT125R ARCHIVE

benjarminx · DTR Respected Member

Car insurance at 18 !

Calum122 · Guru

Make sure it's not third party only. Fully comp is usually cheaper when I do it.

benjarminx · DTR Respected Member

yeah tryed all three, except tpft was £40 cheaper ¬¬
thanks mate

-- Edited by benjarminx on Monday 17th of February 2014 07:49:43 PM

Calum122 · Guru

Dunno then. I've had crazy prices for small cars. Sometimes it's like cause it's a shít car that they expect you to write it off cause you don't care.

Personally I'd rather have that insurance to spend on my bike.

benjarminx · DTR Respected Member

yeah i want my car though, big vw fan and i want to be able to get my dt mint, getting fed up of it looking filthy and getting used everyday!

Dt Danny · Guru

yeh im 20 and still get 3 grand as my cheepest quote i got quoted on a saxo 1l over 10 grand thats why im sticking to bikes for another couple of years

Calum122 · Guru

Yeah know where you're coming from there pal. Want my bike off the road to sort out properly. But it just ain't worth it.

Rwszc · DTR Respected Member

I used to use Direct choice when i first got a car... quite a few yrs ago now ... like 17yrs but it was more like 400 quid for a fiat 126 (mum chose), which was snappy style swapped for a ford sierra Cosworth (which sdidnt cost much more on the insurance at 19yrs old, shortly b4 i blew it up at 142mph...

Victor · Guru

I get 3 grand quotes and i'm 22, car insurance is a joke cheaper to insure 4 r1's than a 1litre car

2strokemx · Guru

You put your ol man or whatever as a named driver? Declared your no claims bonus?

benjarminx · DTR Respected Member

no claims usually needs to be 'on a private car' for it to be applicable on a car
and yeah but the cheapest qoute ive got (£3080.43) doesnt do named drivers,
it is well stupid, my dt, last year was 630 for me to insure third party,
this year its 380 third party fire and theft, with the same company!
Where the hell do they justify this poo?

and yesssss fiat 126! love them like crazy even stock there gorgeous!

NEV · Guru

I'tll go up a ****load next year, they've got to claw back the flood claims now.

Calum122 · Guru

I often find third party is more expensive than fire and theft. 9/10

NEV · Guru

How do you lads go on then if you buy a bike/car by using finance then? you have to by law insure it fully comp, must be crackers money

Calum122 · Guru

I wouldn't buy a car on finance.

NEV · Guru

A fair few do though

2strokemx · Guru

How many miles a year? Put lower than you would, exagerate how safe you car is when parked at work etc i.e in a secure car park and have you tried the company's not on the comparison sights? You can even go on drive like a girl .com ha, apparently quite cheap

Energized · DTR Legend

Insurance prices really fuk me off too. Got a quote for a laugh on my dad's old turbo'd miata, 6 fooking grand they wanted and that was without me declaring all the mods on the 1.8 lump mind, just for giggles. Then tried a integra for a laugh, boom 12k. civic type r was around 7 grand and an integra was 12 grand? Love that logic. Then for more laughs tried an r34 and that was 26k LOL.

Fook cars, i want to eventually get my test done and that but for me personally i'm not getting 4 wheels until it's necerssary.

Have never even had my free lesson and i'm 21, have literally no interest in cars, apart from being a petrol head and the engine/sounds/tuning etc...

-- Edited by Energized on Monday 17th of February 2014 09:16:43 PM

NEV · Guru

Get a quote on mine Enny, goo on dare ya

Calum122 · Guru

I don't find it too bad. Civic type r was about £1600 for me.

My dad turbo charged his MX5. Be interesting to see what comes back on that.

Love cars. Love it. Love it love it. Insurance though. Want a cnt. It's because of these shít drivers and thiefs make it impossible for genuine lovers to get one. No we have to a 1. Nothing. No good for picking up skirt.

Nah really fcks me off. They don't make cars like they used to. Sure they've got more power but have killed the power delivery. Smoothed it all out. Old turbo cars used to wheel spin when the power kicked it. Now you only realise it because of the induction.

NEV · Guru

You'd have loved my RS2000 rally prepared I used to have back in the day Cal, lancia and tr7 before that then an sri cav when I grew up, and became more sensible.

MDK · DTR Legend

can you not try the good old middle aged driver with 30 years no claims to insure it for any driver ?

I used to know loads of people that would get traders policys as it worked out cheaper

benjarminx · DTR Respected Member

i dont want to be fraudulent lol
na i would but theyve been clamping down on it recently (idk if its just my area)
ive had a few mates get done for it, stupid fines and bans,

and yeah was going to go on my dad traders policy but you have to be 21.

im a welder, armour plating, by trade and if i even say that on the phone to them it bumps up the price because its something to do with cars

its all multipliers and constants for the options so theres no way im going to get out of paying 3k

thanks for the advice guys and expect pictures of the dub soon ;)

mr karnage · Guru

I got 4 grand on a 1l Austin metro......

and I'm 19

dread123 · Moderator

Feel for you young ones really..although back in early 90's i was paying insane costs to drive Rs turbos, 205 gtis,xr2 and 3i's, uno turbos....had them all and spent fortune on insurance money-and all on 3rd party only lol.

17 yrs on ,now being a paramedic and advanced driver blue light trained-my insurance costs are next to nothing- heck i can even get quoted on VXR's and cosworths for under £500 fully comp now!!! - get a few years under your own name and the difference will become clear.there will be light at end of that tunnel! just dont drive with undeclared mods,and do this fronting business where you insure someone else and you become main driver..it aint worth the points etc..as i have found out in my younger days...:p

NEV · Guru

VXR insurance under £500 Dread? Who's that with? The VXR Corsa is group 16, and the VXR Vectra is group 18, my Lexus is £600 fully comp and group 17

dread123 · Moderator

one call insurance...my current ride as Danny Dt will confirm sat on my drive is brand spankers Astra GTC turbo bright canary yellow on 13 plate £450 with excess of £500 total :p

dread123 · Moderator

couple quick pics... in my dressing gown so didn't want to get to cold haha

NEV · Guru

Aye missus has a new 13 plate Astra as her company car, must say its good for a diesel, but small inside, for me anyroad. Last diesel was an Omega elite turbo diesel, with the 2.5 BMW engine in it not the Vauxhall 2.2 block. Always been a big fan of Vauxhall motors to be honest.
I'll give that One call a bell when renewal time comes up.

Calum122 · Guru

NEV wrote:
You'd have loved my RS2000 rally prepared I used to have back in the day Cal, lancia and tr7 before that then an sri cav when I grew up, and became more sensible.

Mmmm lovely. What Lancia did you have? TopGear Rated them as the ONLY manufacturer to release nothing but GREAT cars.

My favourite would have to be the Lacia Delta Integrale. Gorgeous motor especially in its rally colours. Or standard they still are lovely!

Would be an all time dream to drive one. There is a chap near me with a lovely condition one.

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