Best insurance policy for under-25s

[Tubster]

Hi guys, so I'm looking to buy an MR2 Turbo (actually put a deposit down on one!) and I'm wondering what companies you guys use for mildly-modified twos?

By the way, if I end up getting this MR2 expect to see a lot more from me on this forum!

[Charged]

Recent thread here:

http://www.imoc.co.uk/forums/viewtopic. ... 37&start=0

Both Sky Insurance and Flux are affiliated with IMOC so should be your first port of call, both may require performance/RWD car history

[Harold]

I used admiral when I was 25, they have a limit on mods but are quite cheap. Any specialists I tried were either very expensive or wanted previous experience of a performance rwd, and a fair few won't insure anyone under 25.

[Lefty1991]

I'm with admiral,
Rev3 turbo with coilovers, exhaust and boost controller declared.
I'm 22 with 3 years NCB and it was £680 fully comp

[Donato]

I'm with admiral,
Rev3 turbo with coilovers, exhaust and boost controller declared.
I'm 22 with 3 years NCB and it was £680 fully comp

I wish my policy was this cheap!

[Tsia]

Admiral here too. Flux was cheapest for me in my first year and Sky won't insure me due to being 23 - so probably not too great for U25s

[samgpr50]

I'm with sky with a few mods declared. Exhaust, air filter, leads and bov etc... 24 no ncb. Did use my experience in the bmw as a discount. £1000 comp.

[Tubster]

Got my quote with Admiral, £750 fully comp, and I've got it as SDP and Commuting as a 22 year old with 3 years NQ. Thanks guys!

Hopefully picking my MR2 up this weekend, just waiting for a call back from the current owner to check if he's available!

[killa_uk]

ive been struggling to get insured to be honest its always coming to over 4k
so i most likely i will be breaking her now if i can tget inurance sorted by weekend

[Peter Gidden]

ive been struggling to get insured to be honest its always coming to over 4k
so i most likely i will be breaking her now if i can tget inurance sorted by weekend

So you bought the car without getting insurance quotes first?

[killa_uk]

ive been struggling to get insured to be honest its always coming to over 4k
so i most likely i will be breaking her now if i can tget inurance sorted by weekend

So you bought the car without getting insurance quotes first?

I know it was a bad move but yes a friend needed the cash and it was offered at a very decent price couldn't refuse

[KarlBristol]

I'm with Adrian Flux - it's not the cheapest price in the world but I've got a highly modified car with a large V6 dropped in there. Plus I've got protected no claims bonus, hire car, legal protection, medical protection, an agreed value policy and they even have a seperate insurance policy on my excess so that if I crash I get paid my excess back within 10 days.

Every time I've phoned them up they've been a UK based call centre which have been friendly, helpful and haven't made any complaint no matter how often I chopped and changed my policy around. They've gone out of their way to help me.

I'd give them a call and discuss your situation, especially as they offer club discount

If people really want mr2s but don't want to pay for high insurance policies buy UK na cars and keep them standard. It's simple.

If you've already got a tubby and can't get insurance if it's highly modified just remove every single modification, return it to standard and then try to get a quote. Thinking logically - by stripping and selling all the mods on the car you also manage to reclaim some money back which can be ploughed into the insurance policy this technically costing you less

[JD]

Can't comment as far as eligibility for U25s but if you are able to get classic cover, and you reckon the lower annual mileage limit won't be a problem, talk to Classicline or someone similar about a classic policy as generally these are a bit cheaper.

[killa_uk]

I'm with Adrian Flux - it's not the cheapest price in the world but I've got a highly modified car with a large V6 dropped in there. Plus I've got protected no claims bonus, hire car, legal protection, medical protection, an agreed value policy and they even have a seperate insurance policy on my excess so that if I crash I get paid my excess back within 10 days.

Every time I've phoned them up they've been a UK based call centre which have been friendly, helpful and haven't made any complaint no matter how often I chopped and changed my policy around. They've gone out of their way to help me.

I'd give them a call and discuss your situation, especially as they offer club discount

If people really want mr2s but don't want to pay for high insurance policies buy UK na cars and keep them standard. It's simple.

If you've already got a tubby and can't get insurance if it's highly modified just remove every single modification, return it to standard and then try to get a quote. Thinking logically - by stripping and selling all the mods on the car you also manage to reclaim some money back which can be ploughed into the insurance policy this technically costing you less

thanks for the input fella it is modified to a level and the mods alone are worth a bit so i may just do that but i think i`ll get a quote in the standard form first before stripping the car.

[SrSilkie]

Im with Admiral

Rev 3 Tbar Turbo

22, 2 years no claims - 0 points/convictions etc.

Mum and dad as named drivers with an exhaust system declared (only mod I have)

£635 this year. I did pay in one go however.

Oh its fully comp too

[JordanR]

I got a quote on my Import Turbo for £500. Im 21 with 3 years no claims. That was Admiral aswell

[Adam]

alot of insurance companies dont recognize turbos if you get a quote online and you will find it will be quoting you for an N/A so be careful