insurance: why is it..

im 17. passed in january, why is it, that insurance for my 1.1 '83 will be something along the lines of ?460.. but for an extra ?66.. i can get a 1.6 '87 ford capri? it doesnt make sense. and 600+ for a 1.3 '81 jetta..

 :dontknow:    insurance sucks!

Its because the insurance is based on broad sweeping 'groups', which take into account things which are completely irrelevant for TP only insurance - such as repair times for crash damage, price/availability of parts (when the cars were new-ish). The Ford thus went into a lower group than the VW.

By the way, the 1.6 Capri isn't really a fast car….

oh right, thanks for that - haha, they do look cool though, my dads had 4 of them.

 any vw recomended?

?460 at 17 is an absolute steal!  8O

marsredgti said

?460 at 17 is an absolute steal!  8O

have to agree with that.

 don't forget, when they were originaly grouped for insurance puposes, cost implications for repairs, were considerably more for a golf than a capri.

Historically foreign cars always had higher ratings than 'UK' models. (Yes I know Ford is American and the Capri was made in Germany but car insurance is bonkers). Now the UK doesn't have any manfacturers left  and the remaining factories here are foriegn owned it doesn't seem to matter that much these days.

When I ran a Diesel Jetta 20 years ago it had a much higher grouping than a Fiesta XR2…

I too think ?460 is a steal for a 17 year old.

The best way to get cheap insurnace is to not have any claims, have your own (not mums/dads) policy, don't have any calims, be old and oh did I mention don't claim……

marsredgti said

?460 at 17 is an absolute steal!  8O

ahaa thats what i was thinking about and wondering what was the complaining about.
damo what insurance you on?

im with tesco car insurance, with my sister as the main driver.
 i just thought it was a bit wierd how for an extra ?66 i could get a 1.6.. thats all. yet for an extra few hundred i get insured on a 1.3 jetta.

thanks

oh and i believe they only do '82 onwards. thats the trouble im having, is the jetta is an 81. and cant find anywhere else that is cheap. and with tesco's i build my own no claims bonus as a second driver.

damo said

and with tesco's i build my own no claims bonus as a second driver.

i am intrigued by these claims. I have a feeling that the no claims is only applicable with that particular insurance company. i.e. if you told admiral that you had X years no claims with tesco as a named driver they wouldnt care.  :dontknow:

I found elephant and admiral were the cheapest when I was 18. Slightly bigger engine, but ALOT more on insurance.  

marsredgti said

damo said

and with tesco's i build my own no claims bonus as a second driver.

i am intrigued by these claims. I have a feeling that the no claims is only applicable with that particular insurance company. i.e. if you told admiral that you had X years no claims with tesco as a named driver they wouldnt care.  :dontknow:

I found elephant and admiral were the cheapest when I was 18. Slightly bigger engine, but ALOT more on insurance.  

yeah it is only with tesco's, direct line do it aswell i think

try Bell they are a subsiduary of Admiral and i have found them superb over the last 3 years, they even gave me the same discount and protected no claims i have on my VR6 when i took out a policy on the cabrio 8O  as they dont currently do the dual policy thing and didnt want to lose my custom, cant say fairer than that, mind the 15 year old cabrio was ?10 dearer than a 97 VR6 Highline with mods, dunno how that works :dontknow:

think i tried them. cant remember, i tried so many the other, 2-3 pages worth in vw performance mag. typing my details over and over again