veerinder9

iTrader: (1)

My insurance is due in august I know its a long way yet but I need to start saving up for it. I currently have a uk turbo, not standard, im 21 will be 22 in june with no ncb. In august itl be a year that ive been driving my Scooby, I want to know is there any chance of getting insured on this cheaper than 1200 preferably. I really dont want to come to that state where I wil have to sell it. I dont mind if my insurance policy is capped at say 2-3000 miles a year and not allowed to drive after midnight, pay monthly options etc. it will be my weekend car mainly, i ve always wanted a subaru at a young age so I dont wana have to get rid of it.

Before anyone asks how im insured, im insured on someones elses traders policy, and im working as a voluntary worker (which I wont be now)

All advice will be appreciated, thanks

Bean1984

iTrader: (3)

Gonna be hard getting yourself insured mate. Best advice i can offer is type your details into the comparasion sites as if you was 22 years old n go from there however its not gonna be cheap

Steve's Sti

iTrader: (2)

Your best bet would be TPFT and a higher excess, theyre not the easiest cars to insure at our age, im 23 and have had mines 2 1/2 years im up for renewal this month with 6 years no claims and 5 points im gonna be lucky if im under 1300 fully comp bite the bullet, but if you have owned last year this helps aswell also as you say lower the milleage, bell usually are the cheapest

veerinder9

iTrader: (1)

Thanks people, im not the typical 21 yr old boy racer with a chavved up scooby, I really care about my care and do much as possible to keep it clean looked after, in the past 9 months ive owned it ive done 3 oils changes and ive done around 2500ish miles, (not that its needed that many times but you know lol. )
I will try bell, is that online or over the phone?

Steve's Sti

iTrader: (2)

Yeah standard is best lol id get a quote online first see what your at then call and haggle you can normally get 1-200 off if your persitant like me never take first price! Luck

veerinder9

iTrader: (1)

Wont be cheap then, on comparison sites cheapest i got fully comp was 14000

veerinder9

iTrader: (1)

I got it down to 5000 TPFT 1000 excess all mods declared, with asda, getting closer.. Lol

Steve's Sti

iTrader: (2)

What mods does it have? Adrian flux mite be worth a try at those prices like

veerinder9

iTrader: (1)

Well I dont wana be paying 5k lol, but std rebuilt engine with acl bearings cosworth gaskets, td05 16g turbo, will be front mounted soon, alcatek ecu, std brakes with uprated discs, alloys and tints, std. suspension with apex lowering springs

Steve's Sti

iTrader: (2)

Did you declare all that? Personally id mention alloys and springs and fmic until next year mite bring it down a chunck as they wont look at turbo for numbers

veerinder9

iTrader: (1)

So dont declare the alloys front mount etc?

tubbytommy

iTrader: (20)

if you cant afford to insure it properly then you shouldnt be driving it.

non declared mods are great until you have a crash and find out your uninsured.

it might be a member on here you hit that has insured his car properly.

veerinder9

iTrader: (1)

Hmm I get what you mean, I paid 1500 last year through a traders policy, I can get insured on it again for 1250 but I want my own policy to build my ncb hence why im trying to find another insurance

tubbytommy

iTrader: (20)

why do you have zero ncb??

veerinder9

iTrader: (1)

Because I havnt been a main driver on any vehicles driven by me

tubbytommy

iTrader: (20)

the facts are youre a young driver with zero ncb and trying to insure a modified impreza.

it will cost you £££.

stupid advice like dont declare mods wont help in the case of accidents or theft.

you have 2 choices pay for proper insurance or sell the car and get another when your old/experienced enough to insure one.

Osimabu

iTrader: (2)

I completely agree with TubbyTommy. It's harsh, but you have to be scrupulously honest with your insurance company. Remember they're there solely to make money for themselves, so will use any excuse possible to avoid paying out.

You need to declare every modification. Even having a roof rack made by Citroen on my Citroen van is considered to be one. That's how picky it is.

Very sorry.

veerinder9

iTrader: (1)

To be honest I want to declare all mods, ive pumped a lot of money Into my car over the year and is looked after well and serviced evry 3 months, ive worked so hard to get a scoob, I just hope a insurance company sees this and not categorise me into the "boy racer" group.

I might stick to my traders for another year if I cant find one cheaper or if not il just get my dad insured on the scoob and il get insure on my old astra for a year and earn a no claims bonus

tubbytommy

iTrader: (20)

https://www.scoobynet.com/general-te...by-police.html

this is why you pay thousands for insurance

Mr Blobby

Im only 20 and have a standard blob sti and it will be £2000 fully comp for when I renew my insurance this July.

Adrian flux and the likes will not insure young drivers and for good reason, they said I had to be 25 or older. I am with Admiral as thats who I have been with since I was 17 with 4 years no claims this year coming up.

So with no ncb I would assume you have no chance this year...

The best things to do it add your parents if they have any ncb...