Insurance

[Polo96CL]

Hey guys,

Not sure if this is the right place to put this but, i'm 17 in may (been kitting out the dub if you've noticed) and i've been scouting around for quotes. Best i've had is from Kwik fit (I was shocked lol). This is:

Fully comp £250 excess
Personal accident, windscreen and courtesy car cover
Free MOT worth £44.95 and a 10% discount at Kwik-Fit Autocentres
Parents Full licence on named driver
UK provisional
For £763.09

Is this a good price? I've been getting quotes in excess of £1400 from other companies, surely there's a catch?

Cheers,

Daz

[polo-sib]

yea thats dam cheap. Mines £1400, and my mates have been £1600 and £2000 for the first year they turned 17. If only my quote was as cheap as yours

[Tim_GTi]

Sounds pretty good to me also

[mc_iver_9n]

Sounds bloody good for your age! Mine was £1500 when I was 17! Im now 20 and its still £781 with 3 years No claims - But it does cover my mods incuding The Air, Leathers, and upto £400 audio.

[samluke90]

this is s**t i've looked everywhere on the internet for insurance
and just tryed kwik fit, which is one of the cheapest,
im 18 now and have a 2001 mk5 1.0 polo

with £500 excess it came to £2388.68!!

thats almost as much as the cars worth!! why are all these companies taking the p***?

anyone know what i should do when my next yr of insurance comes around?
at the moment i managed to get on the mothers policy and that brought it all down to £1300..

i told that quote to ppl and they still laughed in my face :'(

[ModifiedMadness]

Have you tried Elephant.co.uk? The GTi has been in my name since I was 19 (which is when I bought it) and it cost me £1700, I'd only been driving a year and had 0ncb.

[Polo96CL]

Well i've changed my mind now. I'm going to go with Direct line who quoted me £1000 for a provisional Third party Fire&Theft, so it's £150 more than Quinn, but they only wanted £1250 fully comp annual for passing which is a hell of a lot cheaper than other companies and it means I wont have to go the trouble of messing around paying admin fee's to cancel my existing policies

Roll on may5

[Redline]

Direct Line are rather strict on mods aren't they?

[Polo96CL]

They are quite strict, however I'm not going to be performing any major modifcations such as engine transplants etc. Only alloys (which most cars come with anyway) and possibly lowering it in a few years time.

[nikz]

What about confused.com? Gives you lots of quotes. You really need to just set aside a day to ring every company and then play them off each other. Damn modified, that's well good for a GTi. Hopefully be looking to get one when i turn 21 in November this year so fingers crossed I'll end up getting decent quotes.

[CraigMK4]

I'm pretty sure direct lane have a very strict no mods policy... as do churchill?

[The_phat_controlleruk]

Direct line allow mods, they're just very strict, I was with them but changed to Elephant.

[Redline]

I'm currently looking to change mine next month.

Elephant were cheapest, until I got a quote from Admiral who were about £30 cheaper and don't have an issue with modifying.

[Tim_GTi]

I'm with DirectLine, and haven't declared any mods yet, was going to wait til I had my bumpers and suspension done and claim all at the same time. Now sounds like i'll be better off switching companies!!!

Bretcare are good aren't they?

[mc_iver_9n]

Yes they are Tim. Allow any cosmetic mods providing you let them know and keep them updated with any changes. You also have a performance mod allowance upto an agreed bhp.