the_msp

I'm 18, male, live in Northern Ireland, and have recently bought a subaru impreza wrx 1994cc turbo... trying to get it insured at the minute. So far Endsleigh have proven most competent, with a quote of £2358 under my mum's name for social only, 6k miles P/A restriction. The only thing is the car is modified and I don't think endsleigh will insure it due to this?


I got the car for £4k and love it, want to get it on the road, don't want to wait till I'm 21 -.-

I'm going to phone endsleigh tomorrow and enquire about the mod's, how much it will affect the premium, and also try A-plan and Greenlight...

Anyone know of specialists for modified high performance insurance for under 21's?

Many thanks, The_MSP

Scooby-doo97

iTrader: (1)

To be honest mate I'd just wait until you can get insured properly and not under your mum's name as you'd be lying about the main driver of the vehicle. Leave it parked up or sell it and then buy another one when you're a certain age i.e 21, but it still might prove difficult.

Get a bit more driving experience and everything will fall into place

the_msp

Well the Endsleigh quote for my name was £3.3k; so for the saving of £1k I'd maybe lie, as at the end of the day what proof do they have of vechile usage? I mean if my mum was the main driver, drove it 99% of the time, I could still have an accident if I drove it 1%, and the insurance would still be legit...

It's for social use only, nights and weekends, it'll not be my main car so if at the end of the day I can't get insurance then it's not the end of the world... (I'm on a fleet insurance, but can only go up to group 7 cars on it until I'm 19...)

I originally planned to just have the car off the road (kept locked in a garage) and modify it until I'm 21 and then get it on the road... so that's always an option...

borat52

They will never know your not the main driver if you don't tell them.

The bottom line is this, if your confident you wont drive it like a tit and crash it then get in it and enjoy it.
I bought my WRX back 24 months ago now (was 20 at the time). I have driven it from day 1 having only driven a 1.4 astra and 1.6 escourt prior to that. I've never had a crash, touch wood in my 4 of driving and thats mainly due to me not tearing about at a zillion miles an hour everwhwere as soon as I passed my test.

I got round it by going fully comp on an old banger to cover me 3rd party on any other car, while insuring the scoob fully comp in dads name for £240 a year. certainly beat the £2500 they wanted for me on the scoob. Not had a crash in it for the 2 years I have owned it and am now well over £2500 better off than if I had listened to the people who said 'you shouldnt be driving that if you cant afford proper insurance'. As for 3rd party cover only, with the money I have not spent on insurance I'll have covered the full purchase cost of the car (4k) by this time next year so it was a no brainer for me.

Things did not improve for me cost wise on it when I hit 21 either.

GeoffMM

classic scoobs are harder to insure if over 25. it would be much easier to insure if you bought a newage

the_msp

I'll certainly be looking into that option. Fully comp in my mum's name is around £480-500 (insurance in NI is a rip off).

Although I thought (although maybe this is just with who I'm insured on at the minute) that only drivers over 25 were applicable for 3rd party for any other car?

Many thanks

Moley

iTrader: (9)

For everyone who moans to me asking why insurance is so high please read the above

the_msp

Can you clarify (if applicable) which bit in particular you dissapprove of?

Cheers

M555SUB

so that means im covered for third on my brothers scooby because i have full insurance on my other car and certificate states i am, but if i had a crash would my company say anything after all i was driving a subaru.

scoobyDAZZA

36,business owner,garaged,6000 miles,full no claims etc etc etc

350bhp my00 classic ALL mods declared £499 FC
sti8 2003, standard £834 FC with same company

geordiewrx

i have heard of insurance companies check with neighbours of clients to see who drives the car most often, when a claim is made in the case of drivers of under 25 who have their parents as main drivers and yourself as 2nd named driver, they can and will find out if they want too. imo wait till you can insure it your self

Moley

iTrader: (9)

Do you really need me to explain why?

I assume that this car is really your mum's then, she is the main user, and you are an occasional user of it?

There are reasons why 18 year olds don't have Impreza's.

If the car is yours then insure it under your own name, if you can't afford it don't do it.

Moley

iTrader: (9)

the_msp

If the car is yours then insure it under your own name, if you can't afford it don't do it.

I can afford to; however this would really stretch by budget, resulting in the car costing me about £160 a week paying it (bank loan) and insurance (monthly installments), never mind petrol, and other associated running costs. Doesn't leave much for food, living costs, etc. As I've stated the car is mainly for me to work on as a hobby, it'll be more in the garage than on the road, but I want to show off my work at the end of the day. Hence trying to find the cheapest possible solution...

chocolate_o_brian

iTrader: (22)

im in an interesting position here as i can see it from both sides. i passed my test in march when i was still 21, and had a scooby sport. wrote that off avoiding something in the road, so not necessarily my fault ie wreckless driving etc. i then got a loan etc and bought a 95 wrx while still months away from being 22. now with 2 months driving experience i managed to get insured on it for £2250 fully comp, for a 240-260bhp car and my given circumstances that was a bargain, compared. probably silly of me to be paying that much insurance, but i didnt hide behind anybody elses and was paying my own way on it.

i understand moleys view on this about young drivers, that why insurance is so high, higher risk etc, but i payed for it and my mortgage etc by myself so why shouldnt i have had it the time i did. can you both see it from my point of view.

regards the _msp i wouldnt state on a public forum how you are planning on fiddling the insurance to save yourself lots of money per annum, as there are insurers on here and regular police officer visiters, so you could land yourself in some serious ****.

all in all... if you want a scooby wrx, buy one even if your 17,18. but if your not prepared to pay the insurance for it on your own two feet... wait. its got nothing to do with the looks performance etc. if you can afford it great, if you cant, either get a better paid job, or waste some time with a little run around or a un chavved up hot hatch.

example, as said above before my wrx blew the **** up lol it was costing me 200ish a month to insure. i now have a little pug 106 diesel untill i get 1 years ncb next june and its cost me 70 a month to insure, remembering my details. now if i wanted say an old skool 205 gti 1.9 (grp. ins. 14 i think) the ins company want 2k compared to 2.250k for a group 20 monster like a scoob. so il stick to my deisel for now as ive driven my old scoob for 6 glorious months and dont regret it one bit. but next year with a little saving and a planned re-mortgage and a years no claim bonus il get another and hopefully see my ins. drop to a more reasonable amount...

andy

Moley

iTrader: (9)

msp - When you have a claim let us know if you get paid out

My opinion isn't my professional point of view, it's my personal view.
I have had performance cars for the last 8 years, and they have all been insured in my own name.

They cost me a lot at the time, but i am getting the benefit from it now.

FWIW i don't think 18/19 year olds should have Impreza's.
From reading your post you have in your mind you a good driver....that could be your downfall.

A lack of experience and overconfidence if often followed by parking in a ditch/lamp post/another car.

Yes you might be fine, not all 18 year olds crash, but you'd be suprised the percentage of young drivers who do, and in a high powered car the changes of that crash being bigger is a lot higher.

borat52

Completely agree with the last statement there.
Experience is important behind the wheel, so is common sense. I think deep down you know if your the sort of person who is going to spend their time racing other people around and seeing how fast you can take corners before you crash. If your going to do this, keep it in the garage untill you've got that out of your system.

I had 2 friends who passed there test on the same day, they decided it would be good fun to have a race around some country lanes that day. They both ended up in the same ditch, and that was in some old bangers, may well have died in something more powerful.

Likewise I passed when I was 18, drove a 1.4 astra and 1.6 escourt for 2 years (and notched up about 30k miles in that time). Never had a single scrape in that time, then I switched to the impreza which I have had for a further 2 years now, still not a single scrape (touch wood).

I would not have been able to handle an impreza at 18, but if you drive a lot and sensibly you learn quickly.

Moley

iTrader: (9)

pslewis

Seriously, at 18 you are WAY TOO young for anything more powerful than a Micra 1.0L

It's just the way it is - every 18 year old male thinks they are as good as a 50 year old ..... WRONG!! Those 32 years and a lowering of Testosterone REALLY do make for a safer driver!

Insurance companies are not interested in whether you can stay on the road when driving around a corner at 120 MPH ... they ARE interested in when you decide NOT to do 120 MPH, but choose 50 MPH because experience tells you that at 120 MPH you will die (and, worse, wipe out an innocent family!)

WAIT UNTIL YOU CAN DO IT LAWFULLY!!!!

chocolate_o_brian

iTrader: (22)

as usual pete a little ott. as i said in my post if he wants to pay the incredible insurance costs, and also running costs etc, then fine. but i personally would get a hot hatch to lean and experience more in first. but my first two cars were scoobs, and i only wrote the first one off due to something out my control. and before you say it, i was travelling at safe speeds when the unfortunate happened, and would have still wrote off a 1.0 micrawave too.

p.s. how is your daughter after her recent bump fella? back behind the wheel yet?

andy

borat52

Crikey, your still about on here?
thought you'd passed away years ago.

the_msp

regards the _msp i wouldnt state on a public forum how you are planning on fiddling the insurance to save yourself lots of money per annum, as there are insurers on here and regular police officer visiters, so you could land yourself in some serious ****.

A point I don't think I've mentioned so far: the scoob will not be the only car I have access to. At the minute I'm on a fleet insurance, which enables me to drive either a landrover discovery, 1.6l mazda MX5, 1.9 TDi VW bora, 1.9SDi seat Ibiza, 1.0l seat Ibiza, and a 1.8l diesel ford fiesta. Yes, I may have only been driving for 16 months, and am thus an inexperienced driver... but I know where to draw the line. I've learnt a few lessons in the afore-mentioned cars. I've driven at trackdays, where a few laps were done dry, and then the track was soaked, and have learnt how much this can affect handling. I'm not claiming that I'm a good driver, I'm stating tha I am not oblivious to the risks on the road; t I know it's foolish to enter a corner doing 70+ in heavy rain. Even with the grip of a scoob

Let me rephrase the question: I want to drive a WRX a couple of times a week. I do not see it worthwhile to pay £3300 for insurance, as I'm not going to be commuting in the car, driving it in busy cities, during rushhour, or doing high mileage. I want to spend a considerable amount on the car, therefore paying high insurance premiums leaves me with no money to fulfill this. I want to "show off" my work on the car, therefore having the car off the road is not an option I want to choose either.

pslewis

Let me rephrase the answer: I DON'T want you to drive a WRX - you will put innocent people at risk.

Sorry, but it's the truth ...... I was 18 ... once, so KNOW whats what

the_msp

you will put innocent people at risk.


I'm putting innocent people at risk every day of my life, by driving a car on the road. Most of the car's I'm insured on at the minute would probably do over 100mph. I have the potential to drive these cars through a town at 90mph, run over a mother and baby and kill them.

But do I drive with such recklessness and disregard for other people's safety?

No. I choose not to.

Any car is a potential killing machine, but it's only as dangerous as the driver. If I were to 'race' the car, on public roads, in a town, exceeding speed limits, and as a result crash and cause injury, or worse, by consequence of my decision to drive in such a manner, then I should be locked up for my actions.

Yourself, with 60 years driving experience, can still hit an oil spill in the road at 60mph, crashing headon into an oncoming vechile, and causing severe injury to yourself and the occupants of the other vechile. Accident's happen. I'm not suggesting that I am accident-risk-free just because I'm insured.

At the end of the day it's my choice as to which car I drive (providing I am legally covered to drive it) and I therefore am responsible for my actions.

borat52

Don't take any notice of ps, he shoots down anyone who tries to do something on here becuase he's got too old to accomplish anything himself these days, pure jealousy.

He's talking c**p, speed doesnt kill per se, its idiotic driving that kills. If you have the money then sort your insurance out on your scoob, but just don't go silly in it (thats harder than it sounds). Get used to driving it for a few months and keep driving your other car. Be sensible and you'll be fine.

On the plus side if your only covered 3rd party on the scoob its an added incentive not to crash it as you'll have just flushed a few grand down the drain if you do.

chocolate_o_brian

iTrader: (22)

ditto this last sentence. i apologise if what i said was out of context. you never mentioned about either how much experience behind the wheel you have or what access to other vehicles you have. so assuming that most on here would automatically think the worst, including me so its kind of understandable why we are warning you off.

as said by yourself though, being 18 double check your insurance documents and make sure it says you can drive ANY car third party, as being 18 may restrict you to cars of a certain power or engine capacity.

the reason i say this is,

last novemeber i bought my impreza sport. i was no where near passing my driving test, so needed a mate to help me out. said mate was 19 at the time, i was 21. he had fully comp insurance on his brand new punto which allowed him supposedly to drive any other car third party. good enough for me, i could pick the car up with him and get it back to mine without driving illegally myself on a motorway too.

when we gets home however he checks his details, and he was only insured to drive cars 1600cc or under third party... a stipulation by his insurer. so had we crashed, a whole kettle of fish would have opened and spilled on me.

il make it clear though im not warning you off, as said i had a 260+bhp wrx after 2 months of driving experience, i just didnt nail it everywhere. being a new driver at 21, 22 is similar to being one at 18,19, even though you have obviously more experience with driving various cars about too.

so im gonna stick my **** out on this one and welcome you proplerly to scoob ownership. ignore pete, everyone else does, and spend wisely on tasteful mods for your scoob, and get over to the mainland and go to some meets when your cars looking good. this means dont buy afterburner lights, a jap style spoiler with fins etc, chrome bling bling wheels, or a daft bodykit with sideskirts of a curtainsider lorry!!!

good luck phella and get some before and after pics up on members gallery

remember your one of us now...

mwah ha ha ha ha

Moley

iTrader: (9)

Yes any car is in theory a weapon, but maybe you need to drive an Impreza to understand what pslewis and myself are trying to get at.

As i have said before there are reasons 18 year olds don't drive Impreza's, but you are only looking at it from your point of view.

Looking back when i first got my Impreza maybe i was lucky nothing happened to me, as i didn't always drive it with the respect it deserved.

But after speaking to a lady on the phone who was in tears after her husband has been killed driving too quick, it really makes you look at things a different way.

And don't try to make out you won't be driving it fast, as in your orignal post you tell us you are going to modify it. Why fit coilovers if you're not planning on going round corners quickly, and not to sound rude, but with only a years driving experience you are not experienced enough to know when if the right time to use the power properly. Maybe harsh..... but fair.

the_msp

[I]On the plus side if your only covered 3rd party on the scoob its an added incentive not to crash it as you'll have just flushed a few grand down the drain if you do.[I]

Exactly. I know if I land the car in the ditch, the bank manager isn't going to say "oh, right, sorry to hear that, we'll cancel the loan payments you still owe us £195 per month for the next 24 months..."

Thanks brian for welcoming me to the forums The car's dirty at the minute and it's been too bloody miserable in the past 2 weeks to wash it lol. Might get it washed today and get a photo or 2 up

[I]but maybe you need to drive an Impreza to understand what pslewis and myself are trying to get at.[I]

I have driven an impreza. Who spends £4k on a car without test driving it 1st?? To be honest the 1st time I planted the foot (with the seller/previous owner sitting beside me) I was like "holy expletives"... quite "scared" if you wish at just how much power it had.

Luckily I have access to a large amount of private land, which albeit I can't use too often because of other users, on which I have driven the scoob a couple of times. I know the power that's under the bonnet, which I agree takes a skilled driver to control.


And don't try to make out you won't be driving it fast, as in your orignal post you tell us you are going to modify it. Why fit coilovers if you're not planning on going round corners quickly



The car *is* modified, hence present tense, hence theose mod's listed were already on the car. Why fit coilovers? I didn't. They were already on the car when I bought it, and knowing their value, it would be "foolish" in my opinoin to replace them with standard scoob suspension.


K brian like I say dirty but meh

(Dash probably looks a bit odd as I was replacing the dials to convert to MPH speedo and is still stripped in that pic)

Moley

iTrader: (9)

Test driving the car doesn't really class as driving experience.

And practising on private land won't really help much, as your biggest problem is judging what other road users are going to do, and in an Impreza you'll normally have less time to react.

Assume your taking the mods off it then? Would suggest spending the money you get for them on a set of 4 pots, worth the upgrade if not already done.

Nice looking car BTW, i wanted a dark blue one, but couldn't find one, so settled for silver

the_msp

Yes, a test drive/driving on private lanes isn't experience, I was just stating that I have driven an Impreza before. (Yes any car is in theory a weapon, but maybe you need to drive an Impreza to understand what pslewis and myself are trying to get at.


I'll see how things go finance wise. Looks like I could be declaring SORN and locking her up and working on her