Hopes of GTI dead due to Insurance

[MPS]

Here's mine

27, 3 years ncb, fully comp, UK, mk5 gti, £650. Calvin Klein   

[patrickcullen87]

you could maybe try tesco car insurance mate, im 23 and have 6 years no claims and iv got my gti dsg for 700

forgot to mention i have 3 points aswel!

[crashdesk]

@MPS Who's that with?

[big al]

3 points doesn't really affect insurance in most cases, 6 points is when it starts to bother the pennies.

[patrickcullen87]

3 points doesn't really affect insurance in most cases, 6 points is when it starts to bother the pennies.

are you kidding? i was with Swift cover and i was 450 fully comp on my GTI and as soon as i got my 3 points they told me they could no longer insure me! its only an SP30 aswel, its affected my insurance pretty badly

[justcallmeal]

Thanks justcallmeal. Will give those guys a call.

BTW. Hows your 2005 GTI running? Where'd you pick it up?

Picked mine up form a non VW dealer in Ballymena.  Tornado red 5 door with pretty standard spec.  Good clear car tho so chuffed.  Guy used to own Edwins and sold it and now just trades a bit.  Car is one owner and came from Cookstown.. It was a mummys run around and had under 50K on it.  Pertty mint except for the odd stone chip.
Cars going great, starting to put some miles on it.  New girlfriend is about 30 miles away so you can guess that combined with playing in a few bands is putting the miles on quicker than I hoped.  Now sitting at 66K and going great.
Got coil packs done FOC thanks to this very helpful site.  40 mpg if you behave and if you dont, well, lets just say its low.

Give us a shout if you ever get sorted, always good to meet a local face

[MPS]

@MPS Who's that with?

cough*Chris Knott*cough

[crashdesk]

@MPS Ta!

@justcallmeal I'm car sharing at the moment so any car I get is going to have low miles when I come to sell. Who knows, once I get the GTI I might not be car sharing any more, or at least may be doing the driving all the time. :-) 40mpg sounds good. If you know of any good cars coming up for sale let me know. Just on the off chance.

[justcallmeal]

Hi crashdesk I take it you've seen these, seems to be quite a few locally:

http://www.usedcarsni.com/72362151

http://www.usedcarsni.com/71773774

http://www.usedcarsni.com/71612405

http://www.usedcarsni.com/71361126

[kirkland]

"Well worth doing anyway plus I'm paying £200 for full comp, business use, no-claims protected for my GTI through them"

That is just too good to be true. Will look into it but maybe a bit too much effort at this stage. Actually just got a phone call half an hour ago and the guy said the car I may have purchased has been bought. Aaaagghhh

Thats what I thought...

When I passed the  IAM test I found most companies didn't want to know.
Premiums based on their claims data for cars, areas, driver experience not particularly interested in IAM.

Unless people quote the full facts in what they are paying i.e excesses on the policy both voluntary & mandatory, any mileage per year involved, garaged or not , postcode areas, these figures are pretty meaningless.

I'd still recommend IAM training though.

[Kalpsn2000]

My details:

£1050 with Admiral - 27 years old, 5 years second driver no claims (made a difference of £500), up to 4000 miles/year, £500 excess (think half is voluntary), colour coded bumpers declared.

My area is medium to high risk as per this site: http://www.visitcars.co.uk/car-insurance/insurance-post-code-risk.html

Not bad considering I actually have 0 yrs no claims actually in my name and first time driving a ‘high performance’ car.

EDIT:

Regarding factory upgrades, do they need to be declared to the insurance company, mainly referring to the Monza II's?

[Scotsman]

"Well worth doing anyway plus I'm paying £200 for full comp, business use, no-claims protected for my GTI through them"

That is just too good to be true. Will look into it but maybe a bit too much effort at this stage. Actually just got a phone call half an hour ago and the guy said the car I may have purchased has been bought. Aaaagghhh

Thats what I thought...

When I passed the  IAM test I found most companies didn't want to know.
Premiums based on their claims data for cars, areas, driver experience not particularly interested in IAM.

Unless people quote the full facts in what they are paying i.e excesses on the policy both voluntary & mandatory, any mileage per year involved, garaged or not , postcode areas, these figures are pretty meaningless.

I'd still recommend IAM training though.

I did get the premium from the offical IAM insurance scheme though.

[crashdesk]

@justcallmeal

Saw those thanks. Looking for 5 door with low mileage. Below 40,000 would be good and there should be a few out there, I hope.

Also this one but the mileage is crazy low...http://www.usedcarsni.com/72735069 Don't know why or how.