Insurance
21 April 2004, 09:26 AM
#31
Big sinky,
Thats the whole issue for me. I'm 34 (OMG) i've got 9 years no claims, held my license for 15 years. No points, no convictions etc, no sexual diseases either!
Yet they have the fecking cheek to tell me that my policy has increased by £270 from last years.....................but, low and behold we love you Shaun, and because we love you, we will use up commission/bonus etc and therefore your premium will increase by only £70. So therefore being 34 with no claims,points,convictions or sexual diseases and driving an MY02 STI type UK costs me £1250 per year. I also live in Bangor.
If you just look in the insurance forum on SN, you see lads in their 20's getting some really cheap quotes.
Insurance in this fecking country really ***** me off.
Forgive me for being a grumpy b@stard, but with the business I'm in things like increasing prices to give discount and come back at the original price etc happen quite often, so I wish the insurance companies wouldnt treat me like some sort of yokel(like cletus in the Simpsons)!
Shaun
Thats the whole issue for me. I'm 34 (OMG) i've got 9 years no claims, held my license for 15 years. No points, no convictions etc, no sexual diseases either!
Yet they have the fecking cheek to tell me that my policy has increased by £270 from last years.....................but, low and behold we love you Shaun, and because we love you, we will use up commission/bonus etc and therefore your premium will increase by only £70. So therefore being 34 with no claims,points,convictions or sexual diseases and driving an MY02 STI type UK costs me £1250 per year. I also live in Bangor.
If you just look in the insurance forum on SN, you see lads in their 20's getting some really cheap quotes.
Insurance in this fecking country really ***** me off.
Forgive me for being a grumpy b@stard, but with the business I'm in things like increasing prices to give discount and come back at the original price etc happen quite often, so I wish the insurance companies wouldnt treat me like some sort of yokel(like cletus in the Simpsons)!
Shaun
Last edited by urban; 21 April 2004 at 11:27 AM.
21 April 2004, 11:11 AM
#32
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urban
I have a jap import wrx 95, now while not having the same value as your MY02 i think £500 a year diference is not right. i am 38 living in Belfast (east) full no claims, no points, and a vlountary excess of £250 (I had no choice in this). Quinn Direct renewed back in December last year and my policy only increased by about £75, to just under £700. are Quinns not taking on any new drivers of subarus or imports anymore as i feel they would be your best bet.
cheers
sinky
I have a jap import wrx 95, now while not having the same value as your MY02 i think £500 a year diference is not right. i am 38 living in Belfast (east) full no claims, no points, and a vlountary excess of £250 (I had no choice in this). Quinn Direct renewed back in December last year and my policy only increased by about £75, to just under £700. are Quinns not taking on any new drivers of subarus or imports anymore as i feel they would be your best bet.
cheers
sinky
21 April 2004, 11:37 AM
#34
Bigsinky,
Unfortunately Quinns are not taking on any more WRX's I guess, the words from the girl I talked to were, "Sorry we don't insure those type of cars"
My car does infact have the PPP, however call me mad if you want, but I've only declared exhaust change (who can tell if the ECU has been remapped, and my version of the PPP is the ECUTEK remap, not the piggy back job).
It's just a real pitty about the state of insurance here.
The most annoying thing is...get this
I insure the STI Type UK for £20K. Its 2 years old blah blah blah and it costs £1250.
I get a quote for a brand new WR1, insuring it at £30K and the quote is £1052, I means WTF is going on now?
You can insure a more expensive car, more powerfull car for £200 less?
And you get the "Its got more safefy features etc" from the insurance lady..............***** I say!
Cheers,
Shaun
Unfortunately Quinns are not taking on any more WRX's I guess, the words from the girl I talked to were, "Sorry we don't insure those type of cars"
My car does infact have the PPP, however call me mad if you want, but I've only declared exhaust change (who can tell if the ECU has been remapped, and my version of the PPP is the ECUTEK remap, not the piggy back job).
It's just a real pitty about the state of insurance here.
The most annoying thing is...get this
I insure the STI Type UK for £20K. Its 2 years old blah blah blah and it costs £1250.
I get a quote for a brand new WR1, insuring it at £30K and the quote is £1052, I means WTF is going on now?
You can insure a more expensive car, more powerfull car for £200 less?
And you get the "Its got more safefy features etc" from the insurance lady..............***** I say!
Cheers,
Shaun
21 April 2004, 01:28 PM
#35
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Originally Posted by urban
who can tell if the ECU has been remapped, and my version of the PPP is the ECUTEK remap, not the piggy back job)
Originally Posted by urban
I get a quote for a brand new WR1, insuring it at £30K and the quote is £1052, I means WTF is going on now?
You can insure a more expensive car, more powerfull car for £200 less?
You can insure a more expensive car, more powerfull car for £200 less?
Last edited by OrangeRA; 21 April 2004 at 01:31 PM.
22 April 2004, 11:15 AM
#37
Originally Posted by Performance_Subaru
Probably because one is classed as a modified car (you've told them there's an exhaust fitted), and the other is factory spec. with suspension changes etc.
OK, that was a bit of a daft thing for me to say, what I should have said was that if you do an online quotation for the MY02 STI Type UK(Prodrive) valued at 20000, and then do a valuation for a new WR1 valued at 30000 then it comes up with a cheaper quotation.
Maybe you know why Jonathan, or can suggest some possible reason why.
Both cars are standard factory supplied units, but in this case you are looking at one with 265PS, and the other at 320PS?
It just confuse's the crap out of me.
Cheers,
Shaun
Last edited by urban; 22 April 2004 at 11:17 AM.
22 April 2004, 01:48 PM
#38
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Originally Posted by bigsinky
@jonathan
nice write up in jap performance (May) BTW. to stickered up for me but each to thier own.
cheers
sinky
nice write up in jap performance (May) BTW. to stickered up for me but each to thier own.
cheers
sinky
Agreed about the stickers, they are all off now that they've served their purpose
they went on to create publicity and it def did that over the last few mths. 
Are you ready for action on 31st ?
Cheers Jon.
22 April 2004, 01:59 PM
#39
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Originally Posted by urban
OK, that was a bit of a daft thing for me to say, what I should have said was that if you do an online quotation for the MY02 STI Type UK(Prodrive) valued at 20000, and then do a valuation for a new WR1 valued at 30000 then it comes up with a cheaper quotation.
Maybe you know why Jonathan, or can suggest some possible reason why.
Both cars are standard factory supplied units, but in this case you are looking at one with 265PS, and the other at 320PS?
It just confuse's the crap out of me.
Cheers,
Shaun
Maybe you know why Jonathan, or can suggest some possible reason why.
Both cars are standard factory supplied units, but in this case you are looking at one with 265PS, and the other at 320PS?
It just confuse's the crap out of me.
Cheers,
Shaun
Insurance companies have a different view on what could be classed as a car you have modified and one that has been officially moded by the manufacturer before delivery (e.g. WR1, UK300 etc.)
There is another reason though as to why the insurance for an '02 could be more expensive....an '02 could cost more to repair (depending what the damage is) than an '03 and was a more expensive car to begin with assuming you have the Prodrive version which was £27500 as compared to the current £25000 price tag.
Jon.
22 April 2004, 02:42 PM
#40
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@jonathan
the car is ready, but as for me i dunno. cant seem to get the starts right. got my ar$e well skelped at bishopscourt on sunday night by Roy. nearly caught him on the line, and actually managed to pull her into 6th. didnt leave an awful lot of space at the end of the road to stop and had to really stand on the brakes
cheers
sinky
the car is ready, but as for me i dunno. cant seem to get the starts right. got my ar$e well skelped at bishopscourt on sunday night by Roy. nearly caught him on the line, and actually managed to pull her into 6th. didnt leave an awful lot of space at the end of the road to stop and had to really stand on the brakes
cheers
sinky
05 May 2004, 03:36 PM
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05 May 2004, 10:26 PM
#44
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05 May 2004, 11:16 PM
#45
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For what it's worth all my quotes this year were coming in around £1800 for a standard WRX STI without PPP. I was with Endsleigh last year at around £1300 and eventually got Elephant to come in around that figure for this coming year. I'm 36, no accidents, claims or convictions, full no claims, fairly good suburban post code etc.
Basically insurance companies seem to view us as a bunch of semi-literate bog men who are up for being ripped off and it seems to me like there is little we can do about it. Everyone who has posted a little rant on here has my support and sympathy.
It occurs to me that most STi type vehicles tend to be a "pride and joy" and I bet they have less accidents and have more security aware owners than most other vehicles on the road. It might be interesting to review the actual figures, rather than the hog wash the insurance companies spread to keep us thankful for what we get.
Basically insurance companies seem to view us as a bunch of semi-literate bog men who are up for being ripped off and it seems to me like there is little we can do about it. Everyone who has posted a little rant on here has my support and sympathy.
It occurs to me that most STi type vehicles tend to be a "pride and joy" and I bet they have less accidents and have more security aware owners than most other vehicles on the road. It might be interesting to review the actual figures, rather than the hog wash the insurance companies spread to keep us thankful for what we get.
06 May 2004, 10:23 AM
#46
Originally Posted by hedgehog
For what it's worth all my quotes this year were coming in around £1800 for a standard WRX STI without PPP. I was with Endsleigh last year at around £1300 and eventually got Elephant to come in around that figure for this coming year. I'm 36, no accidents, claims or convictions, full no claims, fairly good suburban post code etc.
Basically insurance companies seem to view us as a bunch of semi-literate bog men who are up for being ripped off and it seems to me like there is little we can do about it. Everyone who has posted a little rant on here has my support and sympathy.
It occurs to me that most STi type vehicles tend to be a "pride and joy" and I bet they have less accidents and have more security aware owners than most other vehicles on the road. It might be interesting to review the actual figures, rather than the hog wash the insurance companies spread to keep us thankful for what we get.
Basically insurance companies seem to view us as a bunch of semi-literate bog men who are up for being ripped off and it seems to me like there is little we can do about it. Everyone who has posted a little rant on here has my support and sympathy.
It occurs to me that most STi type vehicles tend to be a "pride and joy" and I bet they have less accidents and have more security aware owners than most other vehicles on the road. It might be interesting to review the actual figures, rather than the hog wash the insurance companies spread to keep us thankful for what we get.
Hedgehog, you're around my age also....well 2 years more wiser anyhow!
Isn't it a ******* joke over here, and you're right, we can't do a single thing about it, apart from sell the car and tell the insurance folks to **** aff!
It really sickens me to see guys of 20odd in the insurance section getting quotes of 700/800 odd notes to insure STI's, including Jap imports with mods!
I even saw an 18 year old's post the other day getting quotes?
Shaun
07 May 2004, 09:55 PM
#47
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Are the insurance companies allowed by EU law not to provide cover for Norn Iron as we are part of the UK???Do Tesco and L.V. cover over here??Free trade and so on.
No political hijacking about N.I. being part off U.K.
Whos the girl in Cookstown driving silver STI 4 dr HCZ (think)?also white looked like WRX in Coleraine both on Wednesday nite??
No political hijacking about N.I. being part off U.K.
Whos the girl in Cookstown driving silver STI 4 dr HCZ (think)?also white looked like WRX in Coleraine both on Wednesday nite??
10 May 2004, 11:15 AM
#48
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Andy,
Try these people, my UK co wont quote for NI, but saw these peeps on tv and tried them. £780 41 yrs 9+ncb 6 pts; UK Turbo, (BT8) half of closest quote!
Open + Direct
1 Regent St
Newtownards
bt23 4ab
02891 813019
Fionn
Try these people, my UK co wont quote for NI, but saw these peeps on tv and tried them. £780 41 yrs 9+ncb 6 pts; UK Turbo, (BT8) half of closest quote!
Open + Direct
1 Regent St
Newtownards
bt23 4ab
02891 813019
Fionn
10 May 2004, 02:48 PM
#49
Originally Posted by Fionn Mac Cool
Andy,
Try these people, my UK co wont quote for NI, but saw these peeps on tv and tried them. £780 41 yrs 9+ncb 6 pts; UK Turbo, (BT8) half of closest quote!
Open + Direct
1 Regent St
Newtownards
bt23 4ab
02891 813019
Fionn
Try these people, my UK co wont quote for NI, but saw these peeps on tv and tried them. £780 41 yrs 9+ncb 6 pts; UK Turbo, (BT8) half of closest quote!
Open + Direct
1 Regent St
Newtownards
bt23 4ab
02891 813019
Fionn
Hi Fionn,
I tried Open+Direct for my MY02 STI Type UK(Prodrive).
8yrs ncb, 0 points, 34years wiser!
Insured @ Value 20000, 12000 miles per year.
Guess what they wanted
£3287!
And asks me is that reasonable
I felt like saying Yeah very fecking UN reasonable.
Shaun
Ended up staying put with Endsleigh.
10 May 2004, 06:21 PM
#50
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Originally Posted by urban
Hi Fionn,
I tried Open+Direct for my MY02 STI Type UK(Prodrive).
8yrs ncb, 0 points, 34years wiser!
Insured @ Value 20000, 12000 miles per year.
Guess what they wanted
£3287!
And asks me is that reasonable
I felt like saying Yeah very fecking UN reasonable.
Shaun
Ended up staying put with Endsleigh.
I tried Open+Direct for my MY02 STI Type UK(Prodrive).
8yrs ncb, 0 points, 34years wiser!
Insured @ Value 20000, 12000 miles per year.
Guess what they wanted
£3287!
And asks me is that reasonable
I felt like saying Yeah very fecking UN reasonable.
Shaun
Ended up staying put with Endsleigh.
Think of a number and double it, then add a zero on the end,................ Why bother asking all the questions on the phone when the calculation is so simple??
10 May 2004, 09:06 PM
#51
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Think of a number and double it, then add a zero on the end,................ Why bother asking all the questions on the phone when the calculation is so simple??
Seriously though,insurance has gone out of control now and I'll be calling it quits come renewal time this year unless turning 30 makes a hell of a difference (which I doubt)!
The thing that puzzles me is the amount of old (classic) Scoobs knocking about with "lads" in them.
Must be some scam out there to get on the roads,I know of folk (and what they do for a living) who are driving Imprezas and even into Evos and they'd be barely into the 25+ age group!
10 May 2004, 09:58 PM
#53
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Originally Posted by BEW
Seriously though,insurance has gone out of control now and I'll be calling it quits come renewal time this year unless turning 30 makes a hell of a difference (which I doubt)!
I'm starting to think like that myself, I was offered a reasonable price for mine a few weeks before renewal and I seriosly thought about it, it didn't pan out but.
13 May 2004, 08:36 PM
#54
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I have also been noticing the number of "yoofs" on the roads in classic turbos who couldn't be much more than 20 years old. The chap across the road, who is 18 or 19 now, is paying £3000 on a basic Corsa which he bought because of it's low insurance group, all his other quotes were over £5000. How do they afford to insure a turbo?
There is one about here that is very clearly modified quite heavily and is being driven by someone who isn't over 25. I'm 36 and can't get insurance if I mod mine so how does he do it? I suppose the mods aren't declared but, as has been said, I can't see how he gets or affords insurance even on an unmodified car.
There is one about here that is very clearly modified quite heavily and is being driven by someone who isn't over 25. I'm 36 and can't get insurance if I mod mine so how does he do it? I suppose the mods aren't declared but, as has been said, I can't see how he gets or affords insurance even on an unmodified car.
13 May 2004, 09:01 PM
#55
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I assume most of the quotes here are referring to Northern Ireland. Anyone got any suggestions for Rep of Ireland. Currently living in the UK with a WRX. Fully comp £650.
Tried to get quotes for South as about to move home. Called 15 insurance companies. 13 refused to quote and the two that did wanted between 6 & 8 thousand Euros.
I'm 32 with 10 years no claims but again when I go home on hols I see guys in their early twenties driving the same.
Anyone know who they might be insured with if at all
Tried to get quotes for South as about to move home. Called 15 insurance companies. 13 refused to quote and the two that did wanted between 6 & 8 thousand Euros.
I'm 32 with 10 years no claims but again when I go home on hols I see guys in their early twenties driving the same.
Anyone know who they might be insured with if at all
14 May 2004, 07:08 AM
#56
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dont want to rub it in lads but **** me over 3k for insurance is just stupid. i would be selling the car for something,
1. a helluva lot less to insure
2. a helluva lot less to service
3. a helluva lot less to run
it is sad that insurance companies over take the **** when it comes to insurance. we have paid the price for DLA scams over here. i heard the other day that the average number of people hurt in DLA crashes in the rest of the UK is 3 but in Northern Ireland it is 8 Any wonder your insurance costs are so high.
cheers
big sinky
1. a helluva lot less to insure
2. a helluva lot less to service
3. a helluva lot less to run
it is sad that insurance companies over take the **** when it comes to insurance. we have paid the price for DLA scams over here. i heard the other day that the average number of people hurt in DLA crashes in the rest of the UK is 3 but in Northern Ireland it is 8
Any wonder your insurance costs are so high.cheers
big sinky
14 May 2004, 09:49 AM
#57
Originally Posted by bigsinky
dont want to rub it in lads but **** me over 3k for insurance is just stupid. i would be selling the car for something,
1. a helluva lot less to insure
2. a helluva lot less to service
3. a helluva lot less to run
it is sad that insurance companies over take the **** when it comes to insurance. we have paid the price for DLA scams over here. i heard the other day that the average number of people hurt in DLA crashes in the rest of the UK is 3 but in Northern Ireland it is 8 Any wonder your insurance costs are so high.
cheers
big sinky
1. a helluva lot less to insure
2. a helluva lot less to service
3. a helluva lot less to run
it is sad that insurance companies over take the **** when it comes to insurance. we have paid the price for DLA scams over here. i heard the other day that the average number of people hurt in DLA crashes in the rest of the UK is 3 but in Northern Ireland it is 8
Any wonder your insurance costs are so high.cheers
big sinky
Probably true, but thats due to the way the law works in NI.
In the UK, its fixed amounts for things like broken limbs, whiplash etc.
Here in NI, its whatever your gob****e solicitor can get for you!
Will the law change to be like the UK.....Will it ****, cause the solicitors will be involved in that decision, and are making too much fecking money!
Shaun
14 May 2004, 10:49 PM
#58
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Originally Posted by urban
Sinky,
Will the law change to be like the UK.....Will it ****, cause the solicitors will be involved in that decision, and are making too much fecking money!
Shaun
Will the law change to be like the UK.....Will it ****, cause the solicitors will be involved in that decision, and are making too much fecking money!
Shaun
05 August 2004, 06:17 PM
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sorry bout the topic ressurection
94 WRX RA - west belfast 1290ukp TPF&F 34 yrs old full NCB etc etc with Bell Direct and thats With a 26 yr old additional driver
I usually insure with L&V who quoted 900 fully comp but wont allow the named driver :-(
I usually insure with L&V who quoted 900 fully comp but wont allow the named driver :-(