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22yr old, 3y ncb, cant insure?!?

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Old 21 December 2009, 03:24 PM
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euphoria
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Default 22yr old, 3y ncb, cant insure?!?

Hi all,

after owning various performance cars in the past and insuring them without any real problems, i am shocked to find that the subaru STI (UK MODEL 100% STANDARD) is OVER £2500 to insure!?

I currently own an EP3 civic type R and that costs me just under £1k a year insurance.

I live in the CM18 region, only doing 5000 miles a year, with 3yr NCB and 4 years driving experience.

No accidents, 3 points for using mobile phone a year ago.

Anyone in the same situation? or same age group with cheaper quotes than 2k?! if so please give me some advise! What am i doing wrong
Old 21 December 2009, 03:27 PM
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belliott69
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give moley wrx a shout off here he insures me cheaper then that, 21 years old two years ncb.
Old 22 December 2009, 06:43 AM
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To be fair you'll do well to insure an STi at 22 regardless of experience or NCB. You could try Moley but he couldn't help me until I was 24 as I only passed my test at 21. Defo worth the chat but remember its a group 20 car, and highly nickable by the pikey chavs
Old 22 December 2009, 09:36 PM
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deanb1980
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im 29 4 yrs ncb no points ever been driving 11 years only doin 3k a year and i pay 1450 fully comp
Old 22 December 2009, 09:46 PM
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Originally Posted by deanb1980
im 29 4 yrs ncb no points ever been driving 11 years only doin 3k a year and i pay 1450 fully comp
****, you either have an awful postcode or didn't look hard enough

Moley said for me (25 3 years NCB and 3 points) it would be well under a grand now
Old 22 December 2009, 09:53 PM
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i do live in a post code that is a bit special , i had an accident a year ago when my brakes failed in my clio williams and they all gave me a bull **** excuse that i have never owned a car as powerfull as this before which is true but i work for a mitsubishi garage where i drive evos every day i have driven ferrari,lambos cossies and porches but never crashed them but hey its a small price to pay
Old 23 December 2009, 11:26 AM
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Originally Posted by deanb1980
i do live in a post code that is a bit special , i had an accident a year ago when my brakes failed in my clio williams and they all gave me a bull **** excuse that i have never owned a car as powerfull as this before which is true but i work for a mitsubishi garage where i drive evos every day i have driven ferrari,lambos cossies and porches but never crashed them but hey its a small price to pay
Still seems high unless your insurance paid a lot out on the accident. I have 2 non fault claims on my insurance which happened within 4 days in April '07

Moley still insures me on my 205 GTi (group 14) for £400 fully comp with an agreed value Try him, even just for a comparitive quote.

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Old 23 December 2009, 12:49 PM
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I was paying 350 quid fc prot on a 306 GTI, the scoob is more (700 quid ) but im old
At 22 you will find it very hard to get decent quotes as your in the expensive bracket for crashing, a uk wrx with ppp may be cheaper to insure and they are the same/similar power as an STI type UK (2ltr).

Tony
Old 23 December 2009, 01:38 PM
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I thought Moley didn't do under 23s or something like that...? Hmm I'll be 22 by the time my renewal comes for the STi, will have 5 years NCB, 5 years scooby driving experience, and 2 years with the STi.. hope he can quote me
Old 23 December 2009, 05:02 PM
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Originally Posted by chocolate_o_brian
Still seems high unless your insurance paid a lot out on the accident. I have 2 non fault claims on my insurance which happened within 4 days in April '07

Moley still insures me on my 205 GTi (group 14) for £400 fully comp with an agreed value Try him, even just for a comparitive quote.
i was paying £450 fc for my astra sport which was a group 14 so im in the right area its just the fact i have no scooby power experience so hopefully next year will be cheaper
Old 23 December 2009, 05:24 PM
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fella ya best bet is get uk spec (group 17) im 23 paying 900 third fire theft 2 ync hope that helps
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