insurance for 22 year old

[Anonymous]

hi,
Whats the best place to get insurance for the V6 if your young?
Im 22 at the moment and the best quote i got was £3528.41 chich is too much.

James.

 

[k1ano]

Good luck James, try sky insurance or some of the specialists i.e. adrian flux etc.

TBH you can expect the insurance companies to charge you an excessive premium due to your age, the value of the car and performance - it's kinda par for the course.

You should be able to get the premium down a bit but I would expect £2k to be a fairer low limit. Some other younger owners may have better ideas - Karen Louise is 23 she may be bale to say how much she pays.

I expect you know if you can handle one of these cars but they are a bit twitchy and exciting to drive and, from my experience, sometimes cars like these in the hands of younger drivers don't tend to stay in one piece long. This is a statistical fact not meant to be a dig at younger drivers - as we were all young drivers once - facing the same issues.

I remember trying to insure things like Sierra Cosworths back in the 80's - not possible at my age then.

Good luck and hopefully you will find a premium which allows you to enjoy this great car.

Martin

 

[DennisV6]

Got my MK2 vee when i was 22 and insurance was costing me £1600 with two years NCB that was with admiral.

Dennis

 

[ColinG]

i got mine at 20...£2540 in my dads name

now im 21..its £900 in his name

 

[k1ano]

Wish I had been able to insure a car like the Vee at that age

Not bad figures those considering.

Be careful insuring under other peoples names though. Insurance companies often use clauses to legally exclude this type of cover - typically by stating that the insured must be the primary user and that named drivers are occassional users. Difficult for them to prove - maybe but still worth knowing about.

This post can be edited if necessary ...

Advanced driving qualifications can also bring insurance costs down too.

Martin

 

[philthy]

Yea im 20, its 3250 in my name

and 850 when i turn 21 in my name with elephant, in a few weeks!

 

[Anonymous]

kool thanks for the replys.
it will have to wait for a bit now till i get one, as i want one trade really so i can P/X my current car for it, and at the moment i cant seem to find any Mk 2 ones for sale, all ones on autotrader have been sold when i rang up.

 

[Jainy]

Yea im 20, its 3250 in my name

and 850 when i turn 21 in my name with elephant, in a few weeks!

Bloody hell Phil....£3,250....??!!!!!!!!! Yikey-bloody-yikes...!!! :shock: :shock: :shock:

Here's me thinking I got a bum deal at £654 with Adrian Flux....I should thank my lucky stars I think...!!! :roll:

Being older does have it's benefits....

AV

 

[steveukv6]

Yea im 20, its 3250 in my name

and 850 when i turn 21 in my name with elephant, in a few weeks!

Since when does your insurance drop that much in 1year???
Im 22 and mine is rather more than £850

 

[philthy]

dont ask me, it just did, seems that they dont want to know me when im 20.

jainey, adrian fux laughed at me and hung up the phone!!!

 

[Anonymous]

23 and pay £1600 with elphant with everything declared (although they dont pay out on it)

i live in a london borough ride boy post code apprerently

 

[Anonymous]

i dont get insurance at all, my RS at the moment with 280 Hp is cheper than the clio thats 255 hp
as an experimant i checked up on an R33 skyline too which is another car i want, 270 hp standard, somehow that was cheper than the clio too. think i might be gong down that rout.

 

[steveukv6]

The RS is only group 16. It also depends on a lot of other things than just bhp. E.G Age, location, safety rating. etc

Steve

 

[Jainy]

dont ask me, it just did, seems that they dont want to know me when im 20.

jainey, adrian fux laughed at me and hung up the phone!!!

Phil, have you tried BELL...?? A few guys on here are with them I believe - they are supposed to be good for people with "NO" - no claims..?? :roll:

Might be worth giving them a ring..? :?

Jainy

 

[philthy]

yea they wont recognise the car, its 1500 on a 182 trophy though.


Im just waiting til im 21

 

[DennisV6]

My renewal just came through from admiral and its gone down £600 well chuffed only payin a grand now :lol:

 

[Anonymous]

A grand?????????

I'm with Admiral, and I only pay £425!

Guaranteed NCB
£250 excess
11000 miles a year
Wife as named driver

 

[DennisV6]

Yeah but im only 23 with 3 years no claims so its not too bad

 

[steveukv6]

Thats good Dennis - when mine is up this time ill be 23 with 5NCB so i hopefully will be a little cheaper. Have you got any mods?

Steve

 

[JohnsV6]

hi guys i am only 18 and i pay 2200 on my own fully comp with on excess! I found haven to be the best insurance company.