Young performance insurance

[mr2nut123]

I know ive asked before but i never really got a clear answer, just "im insured and im 19 for 'this amount'" etc. im after some companies who will insure us younger drivers (19) on an mr2 turbo for affordable prices i.e. not over 6k like most companies i asked why and they said its because theyre from japan and dont have rear fog lights?! lol, they dont have a clue what theyre on about. I had a quote off one company for £2300 but was looking for under £2000 to be able to afford it properly. Ive seen people before who are 19 with lower prices, just wondering which companies to use and what to say to assure them you arent just another young driver wanting to race and rag your car about. Cheers

[Dave Goodhand]

At the end of the day you're generalised into a catagory, like everyone!

When I was 19, it cost me £2300 with 0 NCB. I couldn't find anywhere that'd touch me so had to pay up.

Now the legislation has changed and at 22 I still find it hard to get insured even with 3 yrs NCB.

It will depend on where you are, ie where you live, alarm/immobilisor, garaged, driveway, parked on the road etc.

Then any NCB you have, remember you can use motorcycle NCB on a car, pass plus (cough) etc.

I would say try Adrian Flux and see what they say, they're pretty good for me with all mods declared etc.

Otherwise go and get a copy of *cough* max power or equivilant (or don't waste your money and borrow one off a mate) and phone the companies in the back... and I mean the insurance ones! lol

As they may be able to help you out, although quite a lot of them quote "21 or over for males" etc... but you might get lucky.

Good luck! Its a chore, but well worth it!

[craig]

Unfortunately mate, insurers hear "teen" and "turbo" then book a 3 week holiday in the Carribean

[mr2nut123]

i dont get it, i really dont. ive got an mr2 now. i know how they drive and i know how TO drive. think id go smash 3k worth into a wall? lol. my driving style isnt gonna change one bit from now until im 21, infact, ill probably want to race all day long when ive got it then because of the stress of waiting so long for it. so daft... but yeah thanks for the tips, ill try adrian flux

[jasona]

I wouldn't touch flux - they quote one thing get you to nearly sign and then up the price on the day you have to pay the money - they did this to me today and I was very p1ssed off with them, they just said sorry the last 2 quotes you received were entered wrong aven though they were done by two different people and sent in the post. I said I've bought the car now based on your two quotes and now your doubling the price - they quoted 720 and 760 with a mod then today when I go to sign they said £1580 - t0ssers....

Try confused.com and see if Masterquote will insure you they quoted me 400 less than flux...

[stevek]

Hi my son insured his turbo last year at 19 with one years ncb.£1400.this just had renewal two years ncb he now 20 £1125 tesco insurance.

regards Steve

[speedy_g]

Go careful with tesco, generally find that their website will tell you one thing and the operator will tell you another. Last time I spoke to them they told me they wouldn't quote for the turbo due to an increasing frequency of accidents.

Try Houghton insurance or 4youngdrivers, sorry but I don't have numbers to hand, but 4youngdrivers has a website, they'll generally call you a couple of days after you get the quote and lower the premium by a couple of hundred quid.

good luck

[nikaso]

i dont get it, i really dont. ive got an mr2 now. i know how they drive and i know how TO drive. think id go smash 3k worth into a wall? lol. my driving style isnt gonna change one bit from now until im 21, infact, ill probably want to race all day long when ive got it then because of the stress of waiting so long for it. so daft... but yeah thanks for the tips, ill try adrian flux

The problem is too many young drivers (I am only 24 btw) do race about and hit cars/walls/people so the insurers take it as a licence to see how many digits they can fit on your quote.

[gareth]

To be honest mate, you'd be better off waiting a couple of years not because you be older wiser etc just the over two year your gonna have saved over £4000, which if i'm not mistaken is about the right sort of price for a fairly decent tubby. then add the money you've got to buy one anyway and you've got a nice modified tubby two year extra no claims and cheaper insurance plus the piece of mind that you didnt just pay some one £2000 to do Feck all when the poo does hit the fan.
One of my sister mates Did the whole silly money insurance thing. Dead money,

[jimGTS]

unfortunatly mate, what do you expect!!

i could say im an awsome driver and try and insure a ferrari, and get peed off if they want 10k insurence.
at the end of the day, your 19, and have little or no experience, you didnt mention your ncb, so dont no wether you have any.
its not gona matter wether youve driven a corsa, or a porshe to most insurence places. so if you want the power at a young age, your just gona have to pay for it!!

like i did! (1800 with dorset, i was 21, 1 ncb and all mods declared).
if you want cheap insurence get a cheap car.

not having a dig, just saying you cant have the best of both worlds, it doesnt work like that. and more power to younger drivers means more crashs, accidents, even lives lost.

after that, good luck with the quest, im sure youll make the right decision.

[SFLee]

hi, I remmeber I paid something simalr £2500 for 200sx N reg when I was 23 with 0 ncb (was driving 6 year under other name policy) some quote I got was like £35000 a year, they even send me a form saying sign here for £2800 monthly direct debt so you have to paid if you want fast car

[Patrick Gray]

my driving style isnt gonna change one bit from now until im 21, infact, ill probably want to race all day long when ive got it then because of the stress of waiting so long for it.

Without sounding too harsh mate its for these sort of reasons younger drivers will pay through the nose for insurance.Insurance companies are not stupid and will therefore make you pay for the privelage of driving a turbo.

[mr2nut123]

older people try to hide the fact they have little races. at the end of the day, any1 who wants a performance car isnt going to drive 10mph everywhere so ill disagree with that totally. i dont wheelspin (as i cant afford the tyres) and i dont wait outside macdonalds for corsas to race, just want a turbo ive got a years NCB and havent smashed into anyone

[jimGTS]

older people try to hide the fact they have little races. at the end of the day, any1 who wants a performance car isnt going to drive 10mph everywhere so ill disagree with that totally. i dont wheelspin (as i cant afford the tyres) and i dont wait outside macdonalds for corsas to race, just want a turbo ive got a years NCB and havent smashed into anyone

why are you so caught up in having a turbo mate?? i know there awsome, , but anyone who's 19 and has any sort of mr2 is gotta be laughing. hell, id have loved a car like the mr2 at that age. and i bet your already paying a far amount just to have an NA.
if you want a turbo that bad, youll just have to save up 2-2.5k for insurence a year, but it wont start going down til your around 21-24 mate.
totally up to you, if you got the cash, go for it.

[Matt]

Go careful with tesco,

Couldnt agree more!!! They are totally useless. Cheap unless you have to make a claim.

[adam maclean]

Try Keith Michaels: 02086427868. They gave me a xxxx hot quote. I am 25 with 7 years no claims mind, but even with that I still had a nightmare getting decent cover . With a Turbo i found i had to go to a specialist because most companies simply wont touch imports. Also try looking in the back of Banzai or Jap performance magazine. Hope this helps, good luck

[Lauren]

older people try to hide the fact they have little races. at the end of the day, any1 who wants a performance car isnt going to drive 10mph everywhere so ill disagree with that totally. i dont wheelspin (as i cant afford the tyres) and i dont wait outside macdonalds for corsas to race, just want a turbo ive got a years NCB and havent smashed into anyone

Seriously we don't! Yes i used to a lot when i was 19 or so, but these days i have nothing to prove and the last thing i want to get involved in is racing with someone who is hell bent on proving their point.

If anybody tries to race me i simply pull over and let them past.

Sure i've pushed my cars more than most as i've done a lot of trackdays and raced etc, but i don't do this kind of thing on the public road. On my own on a national speed limit twisty country lane i'll have some fun for sure, but thats not racing.

[mr2nut123]

well ok, maybe not as many older people race but most of the time when someone tries to race me their in their 30's in ford focuses lol. and id say more than 50% of people on here race their cars, why else buy a turbo, unless like yourself you do trackdays? its obvious. not trying to have a go, just pointing out, anyone with a fast car isnt going to drive it like its a 1.1, why the high petrol and running costs otherwise? and by racing you can use the bypass and you dont need to go over the limit. its very rare i go over 75 anyway as im scared of getting my license taken off me. ive got a very expensive quote but for the feeling of a turbo gettin thrown in your seat, you turbo owners know how it is

p.s. cheers for the tips adam

[mr2nut123]

"double post. crap work comps"

[speedy_g]

Unfortunately aswell as having your age acting against you, you also have the fact that the turbo is an import, which will automatically increase your premium. When I was looking for insurance last year, the vast majority of companies would insure me for less on an elise than a turbo. Maybe worth settling for a quick non-import car for the moment and saving your cash.

Alternatively have you considered a limited milage policy?

Last resort, be worth finding out what a company would quote for a N/A Mr2 which had been modified with a turbo conversion!