savior_jack
Member
Registered: 9th Dec 03
Location: jersey
User status: Offline
|
i am sixteen and looking forward to buying my first car, a vauxhall corsa 1.4 sri, as the insurance is quite high already im looking for a leggal way of modifing the car without bumping up the insurance, if anyone knows of any parts which dont budge the price or better lower the insurance please reply,
|
NeilRocks
Member
Registered: 20th Oct 03
Location: Walsall West Mids
User status: Offline
|
You won't get any mods to LOWER the insurance.
Also go for pass+ if you have the money.
Will be looking at around £1300 to insure a 1.4 8v sri at 17 with pass+ and a set of alloys on it.
|
RobHayes
Member
Registered: 6th Sep 03
Location: Lincolnshire
User status: Offline
|
it was £1600 tpft for me wen i was 18, 1st car, no pass+ tho
that was with 10% discount as well
just a rough guide to price
|
savior_jack
Member
Registered: 9th Dec 03
Location: jersey
User status: Offline
|
would a clifford g5 alarm mabey bring it down,
what about interer mods like new seats and steering wheel would they bring the price up
|
NeilRocks
Member
Registered: 20th Oct 03
Location: Walsall West Mids
User status: Offline
|
Ohhhhhhhh.
A cat 1 alarm and immobiliser will probably reduce the cost.
Dunno about interior mods but your best off telling them just to be on the safe side
|
savior_jack
Member
Registered: 9th Dec 03
Location: jersey
User status: Offline
|
what about ice does that increase the insurance or not
|
clarkie
Member
Registered: 24th Jun 03
Location: Nuneaton Drives:1.4 sport
User status: Offline
|
it shudnt do, but tell them any way, cuz if ur car gets stolen then write off, they might turn round and say 'well it had £1000's of ice, we didnt know about that, thats y the theives stole it, so we're not payin u a penny.' they can be bitches like that. and under bonnet mods, insurance companys tend to go on a percentage, the percentage of power the mod gives is the percentage the premium goes up. so i.e. your paying £2000, fit a manzel inlet, your now paying £2400
|
Siberia
Member
Registered: 9th Oct 03
Location: Leprechaun Land Drives : Zafira GSI
User status: Offline
|
This thread sickens me im 27 on a bog standard 1.2 8v it costs me €2310.
Thats around £2000 in the uk
|
Greasemonkey
Member
Registered: 17th Apr 02
Location: Drives a Tractor
User status: Offline
|
I pay £1100 fully comp on my GSI its modded hevily and got about 140BHP or more i am 21 with 3 years no claims
|
Filby1
Member
Registered: 12th Dec 03
Location: Brighouse
User status: Offline
|
Try liverpool victoria, (Frizzel) althought im 20 stilldont have any other licence but provis, still got good insurence at 980 and they dont mind mods
|
M1K3
Member
Registered: 15th Dec 03
Location: Warrington
User status: Offline
|
im 20 and have a years free insurance.
Vauxhall told me if i keep my premiums with them they will quote me £750 not bad as i only have one years no claims and my original quote was over £2000
|
Greasemonkey
Member
Registered: 17th Apr 02
Location: Drives a Tractor
User status: Offline
|
I got 6 points too LOL
|
Siberia
Member
Registered: 9th Oct 03
Location: Leprechaun Land Drives : Zafira GSI
User status: Offline
|
at this rate of going it will be 7-8 years before i can get insurance on a LET and then theres the tax!
What way do tax work in the uk is it based on the engine size?
|
M1K3
Member
Registered: 15th Dec 03
Location: Warrington
User status: Offline
|
think so
i pay just over £100 a year for a 1.2 sxi
|
Greasemonkey
Member
Registered: 17th Apr 02
Location: Drives a Tractor
User status: Offline
|
cos the let is an old engine it will be based on CC so i think it will be about £160 a year????
correct me if i am wrong i always pay for 6 months ona 1.6 think thats £85??? carnt remember
|
Siberia
Member
Registered: 9th Oct 03
Location: Leprechaun Land Drives : Zafira GSI
User status: Offline
|
 £160 a year? for a 2L? they must wieght things up way different in the uk so
a friend of mine drive a 2.2l honda prelude and its €946 a year for tax thats around £750 to u guys
once u go over a 1.6 in ireland the tax goes mental and its not like u get anything for that cos most of the roads are in a terrible condition.
|
M1K3
Member
Registered: 15th Dec 03
Location: Warrington
User status: Offline
|
isnt it also true that you are restricted to 40 mph in the first year of passing your test ??
|
Greasemonkey
Member
Registered: 17th Apr 02
Location: Drives a Tractor
User status: Offline
|
Bloody hell that outrageous
|
Siberia
Member
Registered: 9th Oct 03
Location: Leprechaun Land Drives : Zafira GSI
User status: Offline
|
nah nah normal speed applys I.E 30MPH in build areas 40-60 on national roads 70 on motor ways
ur allowed drive on yer own in the car on your second provisional here but i hear that there going to get rid of that soon although theres a 9 month waiting list for a driving test
should also mention VRT- Vehicle Registraion Tax
E.G if you buy a new car at lets say 20 Grand, 7 Grand of that would be VRT. So Basically if u drive the car off the lotand around the block and back after buying it its only worth 14 Grand.
Loads of fun really 
|
PaulW
Member
Registered: 26th Jan 03
Location: Atherton, Greater Manchester
User status: Offline
|
and I though we were taxed bad over here!!
One thing which made me not get a CAT1 alarm & imob, was when I was trying to get a quote (was with zurich), they wanted to bump the premium UP by near £200 just for fitting an alarm!! told em where to go & never fitted one, and I don't plan on fitting one either cos its not like it will be worth stealing, there be fuk all in it
|
savior_jack
Member
Registered: 9th Dec 03
Location: jersey
User status: Offline
|
would an air filter and an exhaust increase the insurence cost or not
|
b0bby
Member
Registered: 16th Dec 03
Location: Stockport, Greater Manchester
User status: Offline
|
heh. i pay ~£700 a year with zurich, im 18 with a 1.0 corsa c no mods (nothing special but gets me around)
|
Mase
Premium Member
Registered: 16th Sep 01
Location: Derbyshire
User status: Offline
|
i have just insured my 1.0 98R reg corsa with alloys declared with norwich union for £1360 fully comp with pass plus, courtsey car etc on policy. Pass plus has taken 52% off the premium which made it the lowest of the insurers that insured for mods.
Pass plus is deffo worth doing for the little amount of hassle it causes and the cost. Mine has payed for itself bout 15 times !!!!!
Mase
|
savior_jack
Member
Registered: 9th Dec 03
Location: jersey
User status: Offline
|
i dont think that in jersey we have plus pass, we dont even have an mot, also our insurence is lower then the u.k due to it being a 9 by 5 mile long island and the fact that the speed limit is 40 max, it sucks but o well nice little country lanes to go down, that police never check,
|
Ryan81
Member
Registered: 5th Jan 04
Location: Hamilton
User status: Offline
|
most insurance companys when u have fully comp insure ICE for £1k,
and when it comes to alarms amd imblolisers u dont get discount ,
the only time u need one is if the Insurance company request it and u need to have proof or your car wont be insured for theft
thats what ive found out woking for DirectLine , they wont insure new customer under 25 with MODS now ....
for a 18 yearold on a corsa SRi directline would be about £2.5k
|
