brando4000

hi everyone,

i am 20 next month and get my 1st years n.c.b. i have been told i may get insured on a turbo'd impreza does anyone know the kind of price ill be paying? what is the best insurer? is there a specialist? thanks everyone ben deakin.

rob2006

iTrader: (1)

Your insurance will be a 4 figure sum, all depends on the model your interested in. Imports will be more difficult to insure at your age and when you do get a quote..... sit down before they tell you.!!

Just how much would you be willing to pay for insurance? I just couldn't stomach paying over a 1k per year.

I'm 26 and insured with A plan, £500 per year FC, 6yncb, clean licence on an 03 STI.

chocolate_o_brian

iTrader: (22)

id say around £2000-2500 for a classic worth around £4k.

mines currently £1751 fully comp. 22 when i bought it. 9 months driving under my belt, thus no ncb.

20withascooby

im 20 but i dun a cheeky one i put the log book in my bosses name and got cover on my little corsa to drive anybodys car so when i get pulled up i just say im driving my bosses car go tpulled other week they checked all the papers they said yea thats al ok only prob is if i crash its only 3rd party i pay 44pound a munf for my corsa and cover on my scooby

Moley

iTrader: (9)

FWIW who gave you DOC (driving other cars) at 20? Does it state you have it on your certificate?

chocolate_o_brian

iTrader: (22)

i was hoping the guy above was a troll, but it appears hes actually a genuine member. another nail in the coffin ay moley?

noobyscooby

As I read it, our 20 year old friend has managed to insure his Corsa for £44 per month by both registering the Corsa and insuring it in his bosses' name and it is the bosses' so-called insurers who have given any driver usage plus 3rd party only cover on any other car which is why, if the younster prangs the Scooby, he says he is on 3rd party only cover.

I suspect, if our clever friend actually checks the policy properly, it is only the boss who can driver any other car and not him.

In a big shunt, especially if someone is seriously injured or even killed, he'll come very seriously unstuck as he has told lies to get the policy in the first place and his boss, if he's got any sense at all, will disown the lad.

Sadly, the boy's highly likely to get away with it and, as he is so keen to tell us all about his illegal scam on this website, he'll boast about it to his mates in the pub and they'll do the same.

chocolate_o_brian

iTrader: (22)

exactly. the username says it all unfortunatley. doesnt do much good for the younger impreza owners such as myself, who fokr out hard earned and sacrifice other things to pay their way legally.

but i dont know the guy, this is only a forum, he may be cool in face. dunno.

AndyC_772

iTrader: (2)

20withascooby:

The 'driving other cars' extension is always for cars NOT OWNED by the policyholder - and if you read the notes with the V5 it makes it very clear that the registered keeper is not necessarily the legal owner.

In other words, you're not insured, at all. I'd have hoped the police would have been thorough enough to investigate a bit further - driving a scooby at 20 is unusual enough that alarm bells should have been ringing. I got my first one at 25 and was still paying over a grand with about 4 yrs NCB.

Do the decent thing and sort your paperwork out properly. If you crash and hurt someone, they WILL investigate your circumstances more closely before paying out - what you're doing is the oldest trick in the book.

Godden87

I'm 20 with a scooby, its a wrx import, i'm on my own insurance, fully comp and its 1765 and that withs 2yrs ncb.

Scooby_666

Hi, im 21 with a 2000 turbo. got insure for £1750 with 5 yrs ncb but got a better deal through kwik fit insurance. Got it for £1000 Fully Comp.

Ashley-W

iTrader: (1)

Im 19 and hunting for either a p1 or uk300 at the minute, insurance is very high same as my m3 was tho and i think its worth it. Nows the time in life i will be able to afford a car like this no house and bills etc.

chocolate_o_brian

iTrader: (22)

see your point fella.

may as well waste your hard earned on insurance like me lol, but ive got a mortgage and a "classy" bird to worry about also

dave247

who are you insured with godden? my friend has just turned 20 and tried to get insured and no one would insure him or just asking silly prices

deep_st24

iTrader: (1)

Im 21, 3 years no claims.

Couldn't get insured on an import for under £3000,

but Im insured on a UK 2000 for £107 a month through E-Car.

Hope that helps.

New_scooby_04

iTrader: (4)

Avril said yes to your offer then mate?

To the poster: A quote for a Scooby at 20 will hurt. Many won't quote at all, a few will give you ridiculous figures of 4-5k. The best you can hope for is 1.5k 2k if you're very, very lucky.

People who drive without valid insurance = Ar*eholes who shouldn't be on the road!

Ns04

20withascooby

the corsa is registered in my name and insured in my name the only thing in my bosses name is the car on the log book and yes it does state it on my certifiate that i am insured to drive other ppls ars but only 3r party police have checked it out and all ok

20withascooby

also nooby cant be that illegal if the police didnt say anything about it

20withascooby

moley it is on my certificate in the small print i have also rung up my insurer and doubled checcked that i am covered in other ppls cars and i am but only 3rd party

20withascooby

moley it is on my certificate in the small print i have also rung up my insurer and doubled checcked that i am covered in other ppls cars and i am but only 3rd party

AndyC_772

iTrader: (2)

It's not 'other ppls' cars, though, is it? It's your car. You own it, regardless of whose name is on the log book.

Don't you think that's going to come out if you hit someone and have to claim?

20withascooby

as far as anybody else knows its my bosses car he says its his if anybody asks he happy to say its his its only till i can find a decent quote anyway but not many ppl wanna insure a 20 yr old in a import for under 2000

dave247

not many people wanna insure people under 21 in a uk car for under 2000

chocolate_o_brian

iTrader: (22)

well, if he ever crashes into me, and his insurance becomes void, or indeed the police just simply look at this thread (knowing bobbies frequent this forum, as insurance brokers to do), he'll need life insurance. simple as.

very risky game your playing 20w.a.s. fella

all imho of course

fitzscoob

I seriously hope you reconsider buying a subaru. If for whatever reason you have to wangle an angle to get your corsa insured, you are going to have to do the same for the scoob.

It might seem to you now that the car is the most important thing in your life and you want it right now - but really - its not worth it. If you cant do this 100% straight then dont do it at all.

Get everything above board with your corsa, get a couple of years insurance under your belt, then think about buying a subaru.

fitzscoob

Oh one last thing, your boss needs his head examined.

If you kill someone in your car and the police go knocking on the owners door he is going to get some serious questions thrown at him.

daves_scooby

wow 5ync at 21? you must have passed your test when you was 16

i dont know were all these are getting insurance on scoobs at that age. my mate is 21 2years nc and he is wanting a scoob newage wrx 4k plus. so i said why not try a uk 2000 he was still getting quoted over 3k.

im 24 5ync have owned and insured other perfomance cars before and still pay 1k now on a my02 wrx.

but if you can afford these high quotes go for it because you dont mind paying extra to drive a scoob, just remember they are still expensive to run without even taking into account insurance.

chocolate_o_brian

iTrader: (22)

considering my circumstances, £1750 fully comp isnt bad for a (then) 22 year old with 9 months driving experience??

MikeCardiff

iTrader: (2)

Wish I could have even afforded a car at 20 - but then I wasnt living at home rent free with mummy and daddy, so had to pay boring things like rent and bills etc...

I often wonder how these kids can afford it - you see them driving cars worth £5K or £6K - I'm sure a lot of them are fiddling the insurance and its in their parents names - cant see how they can be buying a car for that price, and paying a couple of hundred a month in insurance. Maybe its all the nice parents buying them a brand new 106 for passing their A levels and then paying the insurance for them as well ???

Maybe its me getting older, but whats the deal with 20 year olds wanting an Impreza anyway ? when I was 20 I didnt know anyone who had a performance or sports car, and much as we would all have liked one, then it was something you looked forward to buying when you were older, could get cheaper insurance and afford to buy it without taking out a huge loan you'd be paying back for the next 10 years.

To 20withascooby - you need to be very careful - and your boss is a *** for helping you. What happens if you are driving your impreza on tp only and you stuff it into a hedge trying to impress your mates ? bye bye car ! How about if some scally steals it from outside your house - you wont be able to claim.

IMHO if you cant get the car you want and insure it legitimately without defrauding the insurance company, WAIT and buy it when you can - like us grown ups have to - I'm sure there's plenty of us on here would love to go out and spend 30 or 40 grand on a new car, but have mortgages and families that take priority, so will have to wait until they can.

Big_Dan531

i had my impreza at 19 i got a turbo 2000 i paid 1800 on my mums as a named driver mine is off the road now till the summer so i will see how much is it then when i am 21 it should come down a bit but it is possible to insure one at a young age