DanCov

Just after some general advice really im currentley 20 but i'll be 21 come January and im hoping to join the subaru club after university as ive no student debt and should hopefully be in employment.

Im hoping to purchase a 2001 Uk spec wrx but would it prove benificial for me to wait untill im 22 the following January to look into insuring such a car for something sub £2000? or is insuring such a car achieveable at 21?

briforbes

I'm currently 22, and with 1 years no claims and 3 points for being daft I've been given a quote for £1021 tpft or £1479 fully comp to insure a classic shape wrx STI. I found my insurance dropped a great deal when I reached 21, (at the time I had an mr2 turbo and insurance fell from £1000 to £740), but not a great deal from the ages 21 to 22, so you may not save a great deal by waiting another year (although another year's no-claims bonus would bring it down further). The fact that you are looking at a UK model will also go in your favour. The best thing to do is phone around a few insurance companies and see what they can offer.


Hope this helps

tonner_notts

im 22 with one years ncb and pay 2k for ten month with admiral and they want 1600 quid when its for renewal.
who u insured with briforbes? seems cheaper than mine

briforbes

PM sent

markpaskin

let me know too !!

I'm 23 with 6 yrs No Claims only one SP50 over 3 years ago and I'm finding a lot of Insurance companies won't touch me until I'm 25 or it's £1700.

The car is a 1999 RB5 WR with just De-cat and alloys, nothing really that justifies the huge premium.

Are there any other under 25s out there that can reccommend companies with similar details?

I'm slowly going down the list of Insurers in the sticky but it's not much fun hearing "it's because of your age and high insurance group......"

scooby_matt

By the sounds of things, I'm being done!
I'm 21, 2 years ncb, no points, £2800 on MY00 uk turbo - 10 month jobby with elephant.
I know A-Plan have a cheaper scheme for 22+

New_scooby_04

iTrader: (4)

Are you sure that quote is right? Most places wil not touch an under 25 for an Sti let alone give you a quote around that mark (especially with only one years no-claims). What company is that with?

I'd be very suspicious of any quote for a 22 year old with one years NCB for an Sti that was under 2 grand.

NS04

briforbes

The company was Bell, and I'm positive everything is correct. I rang the call centre as opposed to getting a quote online and spent a bit of time with the guy on the phone going through the details. I found the thing that had the biggest effect on the quote was adding my mother (48 with no points or claims) to the policy. By doing this it dropped by several hundred pounds. I also had it limited to 6000 miles as I have access to another vehicle, and I live in quite a remote area which is bound to help too. I have heard that they are especially good for people who live in Scotland so perhaps this played a part.

scooby_matt

My quote above has got my dad on, it dropped it nearly £500!

briforbes

No idea why it's so high then matey. I checked all my details thoroughly with the guy so there's nothing at fault with the prices I was quoted. Could just be down to area or car value?

Chris Harris

Hi, I'm 23 and currently pay £1650 fully comp for my Classic 95 WRX Jap Import, Including breakdown cover. 5 years no claims though has helped.

Insured by Express.

Cheers

DanCov

Thanks for the replies guys I was going for 22 as a starting point both from the insurance point of view and finachial i'll start saving up for my insurance

kilo_4que

damn guys im 23 n no one is wanting to quote me.

can someone help me please, btw when u say having ure parents on, are they the main drivers of the car or just named drivers.

scooby_matt

named driver on my policy

kilo_4que

so ure dads a named driver?

briforbes

I've got my mother as a named driver, with me as the main driver. I think it's illegal to have them as the main driver if you do most of the driving.

kilo_4que

lol i thought having an extra driver always increases the premium.

petesharpe

i am 21! have an 01 wrx! which co-insidently is up for sale hint hint! i pay £1,400 with elephant! dont understand how you guys pay more! i have no points and 3 yrs no claims!

petesharpe

and yeah put ya mum on ya insurance, it makes it cheaper! but dont let her drive it! its expensive to fix the dents!

huwmiller

I just thought I would let you all know what I am doing for my insurance. I am 21 and own a 97 2000 turbo. I got insured with Bell (same company as elephant and diamond, but much cheaper!). I am paying £850 for 10 months, third party, oh, and I had no no-claims!

The reason it is so cheap is because of the following factors.

1, I co-inhabit with my girlfriend (dunno why this made a difference, but it did!)
2, I put her on the policy as well (reduced it by around £600!)
3, I am only doing 6000 miles a year

When I rang up they gave me 4 years no claims discount because I moved my girlfriends insurance on her car across as well!

The moral of the story is if you shop around us people younger than 25 can get insurance.

Hope you get what you want; it’s all worth it in the end!

Huw

Adz Turbo

Hope this will help!!


Speek to a chap called LUCKO he helped me out a treat!!

Im 22 with 4 Y/N/C/B 3 accidents they were not my fault,
and a 3 month ban (Woops)

my car is a limited edition 3 Turzo "98" and doing about 10'000 miles a yeah

And i paying just under £1600
Adz