Notices
ScoobyNet General General Subaru Discussion

insurance drastically dropped, is it because im 30?

Thread Tools
 
Search this Thread
 
Old 02 September 2013 | 11:13 AM
  #1  
noturbo's Avatar
noturbo
Thread Starter
Scooby Regular
 
Joined: Jan 2006
Posts: 155
Likes: 0
Default insurance drastically dropped, is it because im 30?

As the title says really, I used to own a modified bug wrx and it set me back 2500 a year in insurance so I ended up getting rid

Thing is, i've turned 30 and looking for a new car, so started getting quotes and to my surprise i can get quotes for wrx's and sti's for a little over 500 quid. Has insurance just dropped in general or is it my age?
Old 02 September 2013 | 11:28 AM
  #2  
*matthewturb2000*'s Avatar
*matthewturb2000*
Scooby Regular
iTrader: (11)
 
Joined: Jul 2013
Posts: 1,848
Likes: 0
From: cambridge
Default

my 1999 uk2000 cost me 614 5yr no claims a yr fully comp, my transit tipper just have the renewl come through 817 2year no claims fully comp lol dont see how that works out
Old 02 September 2013 | 11:42 AM
  #3  
Moley's Avatar
Moley
Sponsor
iTrader: (9)
 
Joined: May 2004
Posts: 10,884
Likes: 30
Default

Originally Posted by *matthewturb2000*
my 1999 uk2000 cost me 614 5yr no claims a yr fully comp, my transit tipper just have the renewl come through 817 2year no claims fully comp lol dont see how that works out
The chances of you claiming on the Tipper policy are higher than on the Impreza policy
Old 02 September 2013 | 12:06 PM
  #4  
blackvenom's Avatar
blackvenom
Scooby Regular
 
Joined: Sep 2011
Posts: 1,415
Likes: 0
From: ipswich
Default

I'm 23 and pay £500.01 on my classic turbo nearly halved in a year
Old 02 September 2013 | 12:19 PM
  #5  
Ashp1989's Avatar
Ashp1989
Scooby Regular
iTrader: (1)
 
Joined: Aug 2013
Posts: 262
Likes: 0
From: Manchester
Default

^^^how u manage to get it that cheap? I'm 24, 1 year Ncb been driving for 7 years, and been driving under my dad for 4 years and its £1700 and that's still under my dad with admiral. No other company will touch me. Greenlight, Keith michaels, sky insurance and so on that's on a classic v5 type r though
Old 02 September 2013 | 01:15 PM
  #6  
blackvenom's Avatar
blackvenom
Scooby Regular
 
Joined: Sep 2011
Posts: 1,415
Likes: 0
From: ipswich
Default

I'm with elephant own policy (so same company), added my mum and girlfriend as they lowered it, tho my dad would have put it back up :S. I have 6 ncb I think, I do live in the middle of nowhere but no garage or private drive, I have a phase 2 uk classic so I guess that's the main issue, I found the Imports was higher but none was over £1000 mark, looking to upgrade mine to a v4/v6 type r
Old 02 September 2013 | 01:50 PM
  #7  
ace1981's Avatar
ace1981
Scooby Regular
 
Joined: May 2012
Posts: 259
Likes: 0
From: Greenhithe, Kent
Default

Originally Posted by Ashp1989
^^^how u manage to get it that cheap? I'm 24, 1 year Ncb been driving for 7 years, and been driving under my dad for 4 years and its £1700 and that's still under my dad with admiral. No other company will touch me. Greenlight, Keith michaels, sky insurance and so on that's on a classic v5 type r though
Car insurance is ridiculous these days. Where you are in the country is probably just as much of a factor as what you're driving. Obviously, age comes into it as well.

When I moved from DA8 to DA9 (a distance of seven miles), my car insurance dropped by 150 quid. And that was on a 1.2 Clio. And I was 29 at the time. I'm 32 now, and I got my UK turbo insured for 300 quid fully comp last year. I can't even begin to fathom out how their rates are calculated.

Although, my current insurers were good enough to explain that they give better rates once you turn 30. Essentially, they're saying you're much more irresponsible and untrustworthy as a driver right up until the day before your 30th, then overnight hey presto - you're mature and sensible.

But, understandably, for 300 quid a year on an Impreza I didn't complain.
Old 02 September 2013 | 01:52 PM
  #8  
theboy's Avatar
theboy
Scooby Regular
 
Joined: Sep 2006
Posts: 1,154
Likes: 0
From: Rugby League the greatest game in the world
Default

When i moved house my Blob went from being in a garage to driveway but went down over £100. Just got a quote for new RS and its £225 FC but i am 38
Old 02 September 2013 | 03:00 PM
  #9  
ScottyPPP's Avatar
ScottyPPP
Scooby Regular
 
Joined: Mar 2013
Posts: 1,497
Likes: 3
From: Hampshire
Default

My Blob Wagon WRX PPP is £375 a year fully comp with all the bells and whisltes. I'm also 30.
Old 02 September 2013 | 03:51 PM
  #10  
Gear Head's Avatar
Gear Head
Scooby Regular
iTrader: (2)
 
Joined: Apr 2004
Posts: 15,029
Likes: 0
From: Somewhere in Kent, sniffing some V-Power
Default

2005 WRX, 30 yrs old, 11 yrs no claims - £238.48.

It has definitely come down in recent months.
Old 02 September 2013 | 04:04 PM
  #11  
hpoolsteve's Avatar
hpoolsteve
Scooby Regular
iTrader: (4)
 
Joined: Jun 2010
Posts: 774
Likes: 0
From: Hartlepool
Default

Originally Posted by Gear Head
2005 WRX, 30 yrs old, 11 yrs no claims - £238.48.

It has definitely come down in recent months.
Who's that with matey
Old 02 September 2013 | 04:25 PM
  #12  
Gear Head's Avatar
Gear Head
Scooby Regular
iTrader: (2)
 
Joined: Apr 2004
Posts: 15,029
Likes: 0
From: Somewhere in Kent, sniffing some V-Power
Default

Privilage.
Old 02 September 2013 | 04:49 PM
  #13  
LuckyWelshchap's Avatar
LuckyWelshchap
Scooby Regular
 
Joined: Mar 2013
Posts: 2,794
Likes: 0
From: Wales
Default

Didn't I read that Insurance for men was likely to come down as the result of an EU ruling that giving the ladies preferential rates was discriminatory, and hence theirs would be rising with a 'corresponding' reduction in male premiums?

The companies' pleas about women being less of a risk fell on deaf ears apparently.

Fwiw I'm 57, have only ever had 1 accident that was my fault (30-odd years ago and it was a dented bumper costing about £50 then, I think) and I'm paying over £600 with the best deal, £70 less than my previous insurer quoted me, after 11 months without a car again (but with NCD).

I was stupid enough to not have a car for over 2 years about 5 years ago, so all my NCD went down the drain and I had to start again.

If that ever happens again I'll buy an MoT failure for £100, SORN and insure that.
That's how crazy things are.
Old 02 September 2013 | 05:05 PM
  #14  
Shaun's Avatar
Shaun
Scooby Regular
 
Joined: Mar 2000
Posts: 8,617
Likes: 23
From: 5 beats 4 - RS3 Rulez!!!
Default

I'm grateful for living where I do and hooking up with Keith Michaels. Perfect combination!

Sub £500 a year policy cost, for a Hawkeye Newage JDM STI, running 490bhp all mods declared.

Keith Michaels and Gary are the daddies for my situation!
Old 02 September 2013 | 05:48 PM
  #15  
LuckyWelshchap's Avatar
LuckyWelshchap
Scooby Regular
 
Joined: Mar 2013
Posts: 2,794
Likes: 0
From: Wales
Default

Originally Posted by Shaun
I'm grateful for living where I do and hooking up with Keith Michaels. Perfect combination!

Sub £500 a year policy cost, for a Hawkeye Newage JDM STI, running 490bhp all mods declared.

Keith Michaels and Gary are the daddies for my situation!
+1

Yep, I've no complaints on that front.
It's only the 'stolen' NCD that's kept me above £600, possibly even £500.
Old 02 September 2013 | 10:49 PM
  #16  
ace1981's Avatar
ace1981
Scooby Regular
 
Joined: May 2012
Posts: 259
Likes: 0
From: Greenhithe, Kent
Default

Originally Posted by Gear Head
Privilage.
Very surprised at that. I'm in Kent and Privilege pretty much turned their nose up at me when I told them about the Impreza.

Wanted another 300 quid on top of what I'd already paid them for the year.

Just goes to show there are no hard or fast rules when calculating insurance premiums. As long as I pay less this year than I did last year, and less next year than I did this year, I won't mind.
Old 02 September 2013 | 11:05 PM
  #17  
hooley scoob's Avatar
hooley scoob
Scooby Regular
 
Joined: Aug 2012
Posts: 104
Likes: 0
From: hooley
Default

just renewed mine with privalige and its £352 for my sti bugeye. paid nearly double that last year. 45years old with 9 years ncd.
Old 02 September 2013 | 11:12 PM
  #18  
Fudgey's Avatar
Fudgey
Scooby Regular
iTrader: (1)
 
Joined: Mar 2013
Posts: 1,123
Likes: 0
From: Wilts
Default

Just renewed my uk300 on compare the market with 1st central. £256 fc, 8 years ncb and im 32.

The funny thing was the impreza is £20 cheaper than the puma i chopped in for it!
Old 02 September 2013 | 11:17 PM
  #19  
ace1981's Avatar
ace1981
Scooby Regular
 
Joined: May 2012
Posts: 259
Likes: 0
From: Greenhithe, Kent
Default

Originally Posted by Fudgey
Just renewed my uk300 on compare the market with 1st central. £256 fc, 8 years ncb and im 32.

The funny thing was the impreza is £20 cheaper than the puma i chopped in for it!
Really need to get myself a UK300
Old 02 September 2013 | 11:45 PM
  #20  
Fudgey's Avatar
Fudgey
Scooby Regular
iTrader: (1)
 
Joined: Mar 2013
Posts: 1,123
Likes: 0
From: Wilts
Default

Lol, you could have. I bought it from near ashford!

Ill sell it to you if you like?
Old 03 September 2013 | 01:43 PM
  #21  
ace1981's Avatar
ace1981
Scooby Regular
 
Joined: May 2012
Posts: 259
Likes: 0
From: Greenhithe, Kent
Default

Originally Posted by Fudgey
Lol, you could have. I bought it from near ashford!

Ill sell it to you if you like?
You never know - my co-driver from the London tunnel run in June was so blown away by the night's proceedings that she immediately decided to get an Impreza and join in with 2014's events. So someone might need that UK300 after all
Old 03 September 2013 | 08:44 PM
  #22  
F1 CJE UK's Avatar
F1 CJE UK
Scooby Regular
iTrader: (8)
 
Joined: Jan 2006
Posts: 4,931
Likes: 0
From: MK
Default

Maybe being 30 will not be all bad! Roll on December
Old 03 September 2013 | 09:30 PM
  #23  
xcore's Avatar
xcore
Scooby Regular
 
Joined: Dec 2010
Posts: 114
Likes: 0
Default

I pay 650 at 23 on a wrx bug wagon. Only good thing about getting old
Related Topics
Thread
Thread Starter
Forum
Replies
Last Post
fatboy_coach
General Technical
15
18 June 2016 04:48 PM
scoobhunter722
ScoobyNet General
52
20 October 2015 05:32 PM
TurboAndy
Insurance
2
18 October 2015 09:01 PM
Ganz1983
Subaru
5
02 October 2015 10:22 AM
Iqy7861
Insurance
5
01 October 2015 08:57 PM




All times are GMT +1. The time now is 03:22 PM.