Putting a 17 year old on the insurance?
19 September 2003, 11:10 AM
#1
Not the Scoob, so don't worry.
:
We have a Xantia 2.0HDi as a second car. Our insurers, (L&V) declined to quote for our son, if he passes his test, as they said the insurance group(13,
) precluded him.
We are now looking at a possible change to:
Polo, 1.9TDi, group 5
Golf, 1.9TDi, group 5
Ibiza, 1.9TDi, group 5
206, 2.0HDi, group,5/6
But the insurers are saying now, that the cars ENGINE SIZES are too big to insure for a 17 year old, and it has nothing to do with the insurance group!!
What is going on? Am I getting the runaround? Or are they serious about engine sizes/
Has anyone else had experience of this?
Alcazar
And while I'm on here, WTF is the Xantia doing in group 13, while more powerful, lighter, quicker, more expensive cars with the same engine, are in groups half as high??
[Edited by alcazar - 9/19/2003 11:12:08 AM]
:We have a Xantia 2.0HDi as a second car. Our insurers, (L&V) declined to quote for our son, if he passes his test, as they said the insurance group(13,
) precluded him.We are now looking at a possible change to:
Polo, 1.9TDi, group 5
Golf, 1.9TDi, group 5
Ibiza, 1.9TDi, group 5
206, 2.0HDi, group,5/6
But the insurers are saying now, that the cars ENGINE SIZES are too big to insure for a 17 year old, and it has nothing to do with the insurance group!!
What is going on? Am I getting the runaround? Or are they serious about engine sizes/
Has anyone else had experience of this?
Alcazar
And while I'm on here, WTF is the Xantia doing in group 13, while more powerful, lighter, quicker, more expensive cars with the same engine, are in groups half as high??
[Edited by alcazar - 9/19/2003 11:12:08 AM]
19 September 2003, 11:34 AM
#2
Scooby Regular
Join Date: Nov 2001
Location: Leeds - It was 562.4bhp@28psi on Optimax, How much closer to 600 with race fuel and a bigger turbo?
Posts: 15,239
Likes: 0
Received 1 Like
on
1 Post
thats bollox..
I was insured on mondeo si, rover 420sli, 420si, pug 406hdi etc etc
all brand new and all from provisional to 18months ago (23 now)
David
I was insured on mondeo si, rover 420sli, 420si, pug 406hdi etc etc
all brand new and all from provisional to 18months ago (23 now)
David
19 September 2003, 08:26 PM
#4
Scooby Regular
Join Date: Jun 2003
Location: use the Marauder's Map to find out.
Posts: 2,041
Likes: 0
Received 0 Likes
on
0 Posts
Agree with Davey P that the best bet is probably another insurer (or buy a £300 Fiesta for him to drive until he builds up an insurance history).
It isn't just power and cost of the car that determine the insurance group. How much it costs to fix also comes into the equation. If you crumple the front wing and bend the suspension on an Escort, parts are cheap and easily available. Do the same on the Xantia and the parts may be more expensive. Also, if the Xantia suspension is damaged, the hydraulics could be expensive to repair and there may be a limited number of repairers who can do the work.
How easy are parts to get hold of and do the insurer offer a courtesy car while yours is getting repaired? If parts aren't available off the shelf and you need the hire car for longer, that's another thing that bumps the group up.
Group 13 sounds high though. (However, a 2.0 Legacy is group 14).
Doug
And while I'm on here, WTF is the Xantia doing in group 13, while more powerful, lighter, quicker, more expensive cars with the same engine, are in groups half as high??
How easy are parts to get hold of and do the insurer offer a courtesy car while yours is getting repaired? If parts aren't available off the shelf and you need the hire car for longer, that's another thing that bumps the group up.
Group 13 sounds high though. (However, a 2.0 Legacy is group 14).
Doug
: Hadn't thought of repair costs in that way.
Thread
Thread Starter
Forum
Replies
Last Post