Young performance insurance

[AlanTurbo]

I'm getting a turbo soon and Elephant quoted me £1k.

I'm 24 with 0 no claims but i have been driving since i was 18 without any points (touches wood!) or claims.

Daddy's insurance always seems to be better at the begining

[mr2nut123]

theres no other car for the price of an mr2 turbo thats as quick or as good looking, ill be driving mr2s for many years im sure of it. cheers for the idea but looks like im gona have to fork out quarter or my yearly income to get one lol

[jimGTS]

theres no other car for the price of an mr2 turbo thats as quick or as good looking, ill be driving mr2s for many years im sure of it. cheers for the idea but looks like im gona have to fork out quarter or my yearly income to get one lol

well mate, MAKE SURE YOU GET A BLOODY MINT EXAMPLE, as i should imagine if anything went wrong with the tubby, gona cost more than what an NA will to repair, plus, being import, garages will charge more, but im sure your aware of this,

good luck to ya!!

ps, you not gona have a social life mate paying that much considering your income, lol. im sure youll manage.

jimGTS

[Dave Goodhand]

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?

I got my turbo when I was 19, but never raced anyone in it, whats the point? It looks fast, and yes it is fast! Yes I could've got a 1.1 metro or something, or even a N/A MR2... but I wanted a Turbo charged mid-engined RWD car... which I now own, and it doesn't have a Porsche or Ferrari badge on it... as they were simply out of my price range.

I don't feel the need to push the car to its limits everytime I drive it.. I'm 22 now and definately not old in the insurers eyes. But it seems like you're talking about getting a turbo just so you can go faster than your mates!? or race other modified cars!? I must remind you that insurers do check forums etc too (or if its an urban legend, I've heard it mentioned a lot of times)

I drive my car slowly when I need to get to work, or just can't really be bothered with looking out for police etc, so drive at the limit. I don't speed in built up areas (as I live by a school) plus it doesn't look goo, if you speed passed people at 60mph in a 30, yeah they look, but they also question your mentality as a human being!

Turbo charged cars are fun, but also remember the MR2 is RWD and all the torque and power do catch people out. If you're going to drive fast on the road, learn to drive properly first - just look at all the accidents that happen to experienced drivers in MR2s (although their experience usually lies in a FF or FR car rather than MR)

Yeah its definately worth the insurance at that age, but.... its high for a reason! Just be careful!

[mr2nut123]

well mate, MAKE SURE YOU GET A BLOODY MINT EXAMPLE, as i should imagine if anything went wrong with the tubby, gona cost more than what an NA will to repair, plus, being import, garages will charge more, but im sure your aware of this,

good luck to ya!!

ps, you not gona have a social life mate paying that much considering your income, lol. im sure youll manage.

jimGTS

yea i know, its hard running this n/a and im sure the turbo will take more petrol but who cares, its a great experience. and about social life, when u wake up in the mornin n realise uve shaged sum minger and wasted about 50quid, you do start to wonder if its worth it lol. and if insurance companies are reading so what? i arent buying the car to race like suggested.

[Carlos GTS]

I've nothing against anyone wanting to own a Tubby MR2, But I Really feel that unless you have some sort of track experiance you should own an N/a rear wheel drive car first. If you are used to 1.1 front wheel drive cars the first time you put your toe down in the wet you WILL have problems controlling it.. It's only experican that can get you out of these situations or not put you in them in the first place..

I'm 24 and have always argued with Insurance companies over prices. But i'm not being funny if I was being quoted over £2k for a turbo charged imported car when i've been driving for less then 2 years I would be chuffed that i've even been quoted not pi$$ed off that it's not below the 2k mark.
When I was 19 I was struggling to insure a £1000 Xr3i (yes I hold my head in shame, but I do live in essex) and the lowest quote I got was 1200 TPTF.

At 24 I have enough problems getting quote on my Tubby but managed to get a few decent ones but I'm still paying over £1000 with all my mods and 6 years protected NCB....

The reason they are so high for young drivers is because of the statistics.. Harsh reality i'm affraid. to be honest I'm quite surprised that more insurance companies aren't laughing at you when you phone them up..

Don't want to sound harsh.. but that is the truth.. I would say go with an N/a for a couple of years.... then move on to a turbo when you get better quotes (21 seems to be a key age) Two years isn't too long to wait is it?

[mr2nut123]

ive got an n/a mr2 and know how to control it. i dont go fast on corners...its simple. keep any kind of acceleration for the bypass so its safe and slow at corners and your alrite, i arent going to treat public roads as racetracks i do have sense. at least one company took me seriously and realised i wasnt a chav and have quoted me a faily decent price for my age so im taking it. once my traders got me a decent one im going for it

[gareth]

All the best with it, but its a fair bit of cash lost as dead money.

[BLOODUK]

I've nothing against anyone wanting to own a Tubby MR2, But I Really feel that unless you have some sort of track experiance you should own an N/a rear wheel drive car first. If you are used to 1.1 front wheel drive cars the first time you put your toe down in the wet you WILL have problems controlling it.. It's only experican that can get you out of these situations or not put you in them in the first place..

eh eh *cough*

I went from a 112BHP Rover 1.4 sli , to a 250bhp mr2 RW turbo
when i hit 24years old, im now 25 and still driving the same car

[Dave Goodhand]

I went from a *cough* 1.4 Nova (surely a whopping 90 odd bhp) lol to my tubby and have had no problems since...

Although have been driving since I was 6

[mr2nut123]

I went from a *cough* 1.4 Nova (surely a whopping 90 odd bhp) lol to my tubby and have had no problems since...

Although have been driving since I was 6

too true. my n/a mr2 was my first RWD car and in safe places (my dads mates private land before anyone says anything) i could drift it and its so easy to control. all cars will slide in the wet if you put your foot down. my mates 1.1 saxo does i wouldnt even consider getting the car if i knew i wasnt capable of driving it. ive driven much faster cars before (traders policy, yes i was insured..)

[BLOODUK]

Although have been driving since I was 6

*cough* *cough*

[mr2nut123]

All the best with it, but its a fair bit of cash lost as dead money.

thanks bud and about the dead money bit... having a constant grin on your face when a dump valves hissin? its worth any money

[Dave Goodhand]

Dave Goodhand wrote:


Although have been driving since I was 6


*cough* *cough*

Go-karts! All are RR so handle similar to the mr2... especially when you race with slicks on and it begins to downpour... ah the fun!

[Carlos GTS]

too true. my n/a mr2 was my first RWD car and in safe places (my dads mates private land before anyone says anything) i could drift it and its so easy to control. all cars will slide in the wet if you put your foot down.

ahh I didn't realise that you had a N/a Mr2.. You see I think this is the sort of thing Insurance companies should take into consideration before Issuing stupid quotes.. Anyway mate, I hope you manage to find a quote that is within reason....

[/quote]my mates 1.1 saxo does i wouldnt even consider getting the car if i knew i wasnt capable of driving it. ive driven much faster cars before (traders policy, yes i was insured..) [/quote

I used to have a traders policy too. ALways a winner.. Then after 2 years I moved company. and this is when I got my N/a 2... But on a traders policy I had experiance with driving many different cars too. so that help.. Rear wheel and front wheel...

All the best of luck mate. Cos I know what it's like to want to get something and be shafted because of your age...

[mr2nut123]

aye i drive my dads new sti and used to drive his 2.5litre turbo 944 since i was 18, crazy cars! so ive got experience with many different sports cars including my n/a mr2 now. even if you are experienced tho, im sure the mr2 turbo takes a lot of skill to control if your boosting on the corners. i wont be doing anything daft in it anyway. cheers bout the tips and encouragement, i defo think insurance companies should realise there are the odd few at my age who dont mess about and can drive these properly without wearin burberry caps n spinning everywhere.