I was19 and paying £616

i know the vRS is not a fast car but it is a quick car and too easy to abuse the power, i do this on a daily basis.

if i had this car when i was 17 i'd be dead by now.

i started with a 950cc 205 which i modified into what looked like a tidy modified GTi, looked great, even to this day i'd proudly drive it (colour scheme was very similar to my fabia) and it got thrashed everywhere until one day it ended up bent round a lamp-post. i was lucky to walk away with only minor scratches.

i dont think people should be restricted to what they drive at any given age but i do think that everyone should start off with a lesser powered car until they get experience on how to drive properly.

I was 21 at the time, but I insured a brand new Fabia TDI (group 6) with zero no claims for about £800. Might be worth considering the TDI as an alternative to the vRS, for cheaper insurance. Also cheaper to buy and there's older ones about which having a lower market value usually means lower premiums too.

Otherwise you'd be looking at trying to get him a 1.2 fabia and that wouldn't be up to much, but then what does he really need @ 17? TDI also makes a good learner car as very forgiving engine and drivetrain.

at 21 mate on my octy vRS i payed 1800 with 3 years NCB

now 25 and payin £517 with all mods declared and my 6 points and high fine with euro cover and breakdown. 6 year ncb.

I do think everyone should start on an old low powered banger so they can get used to drivin. then once they calm down and gain knowledge and some respect for speed and power, get a nicer car.

billy

my 1p worth

Try a fiat Punto 1.2 active sport.

Very nippy, cheap to insure, and alloys, skirts, spoiler & sports suspension. Lots of mods if they're into it.

It'd be a good start to earn some NCB, then after 1 or 2 years the VRS might be more realistic to insure.

Paid £1600 last year, was 19/20 that's with a claim and NCB. At 17 you're lucky to get anything close to a grand in own name. My mate paid £1200 for his Corsa 1.0 when he was 17 1/2 (After getting full license).

Best quick car in low insurance is a 106 Mk1 Rallye. It was a super 1300cc with a 100bhp and super light weight. Very quick and only band 8. A mate had one when he was 18. Also consider the 1.8 16v 306 XS, they are only band 6. Even Fiesta Si or Zetec-S s aren't that hard 2 insure at that age if they're not modified, likeiwse with Saxo/C2 VTRs

If he doesnt like Corsa's or Saxo's advise him towrds Fiesta's with the 1.25 Yamaha engines! Great driving, low insurance cars that are rev happy without being overpowering:thumbup:

if i had just passed my test id have a mk2 golf 1.3 or whatever, dropped to the floor with some nice wheels! thats the way to start imo

If he doesnt like Corsa's or Saxo's advise him towrds Fiesta's with the 1.25 Yamaha engines! Great driving, low insurance cars that are rev happy without being overpowering:thumbup:

That's the Zetec engine isn't it?

I drove one of those when they first came out. Absolute stonker of an engine.

The lad is a bit of a car snob and individualist tbh, and doesn't want to be seen to be 'following the trend. Shame the Corsa appears to have such a tarnished image with some crazy youngsters around here, as it's actually not a bad little motor imo.

What about the Smart car everyone? The reason I say that is that it prevents the carrying of gamgs of lads, which let's face it, is the usual time when trouble starts.

Thoughts on the Clio, and the afore mentioned Rover 25?

He's been told that the vRS is now definately out of the question btw. Been some very sensible and reasoned replies regarding that.

I had my vrs for two years and taught people to drive in it have the fiat now.... a pass plus course would be good for him, if you live anywhere near cumbria, I'll do him a pass plus course in my 160bhp fiat if you like, he should save about 30% of his premium (I had a 17 year old who bought anew mini cooper, and he save £700 on his insurance for doing pass plus) also I could teach hime the do's and dont's of driving the vRS try and keep him out of the ditches

Dave DSA ADI.

what about a suzuki swift?my wife has one and its an absolute hoot,handles better than any other hatchback i've driven,1.3 with 100 bhp and wieghs nothing,its fun,another + point is its euro n cap 4 star safety rating,comes with 6 airbags,electric everything,we picked up he wifes 07 plate brand new for 7 grand.

http://briskoda.net/showthread.php?p=1670309#post1670309

this is hers with a couple of minor mods

I got my VRS at 19 - first year with a no fault accident declared was 1100FC in my own name with my mum as a secondry driver. the year after it come down to £850, as i was older and also left car sales to become self employed, this year i have just paid 550 FC in my own name, im 21. thats with admiral, but i have switched between elephant admiral and bell over the last three years, there all part of the admiral group, but one of the companys seem to be cheaper than the other each time, so its alway worth shopping, but not through comparethemarket etc, do it manually.

I am named on my mums insurance for the Fabia TDI 100 estate, for my first year (17) it was 1200 FC and this year it was 850 FC, i am looking to insure it myself in september when i go to uni, with 1 years NCB i was looking around the 1000 mark, but then again that is on a Penrith postcode (very low risk)

Puntos are nice cars, the Fabia VRS would be a bad choice for a new driver. I drive a 1.4 MPi which does the job, there are better engines for economy and power in the fabia range which are worth a look. If not Civics are nice cars, also I can recommend the old (pre-french part) Almera's if he wants something a bit different.

I was19 and paying £616

With mods declared?

hi im 18 and got a fabia vrs as my second car. it took a long time to find some one who would even give me a quote but eventually managed to get it down to £1200

hi im 18 and got a fabia vrs as my second car. it took a long time to find some one who would even give me a quote but eventually managed to get it down to £1200

Fully comp and in your own name? If so who's that with!? :eek:

Fully comp and in your own name? If so who's that with!? :eek:

Agreed. Awesomely low figure that for an 18 year old. :eek:

2nd car too!! :eek: :eek:

Share the info please.

Starting to think i have been quite lucky with my insurance now.

@ 20, £780 FC

@ 21, £510 FC, protected NCD, non fault accident

Renewal time, now 22, £360 FC, protected NCD with non fault acc...

This may be helpful to some:

My son (22) bought my Fabia VRS last year.

Adrian Flux insured him this year for £780 (1 year NCB, fully comp, susp and brake mods, no commuting - walks to work, lives at home, me as added driver - 2 claims in last 5 years but protected NCB, no convictions).

Im 19, first car. 1 year's driving and 1 year's NCB.

No convictions.

£1750 from elephant.

What about the Smart car everyone? The reason I say that is that it prevents the carrying of gamgs of lads, which let's face it, is the usual time when trouble starts.

Wouldn't recommend it for a first car for a young lad - other driver's generally perceive them to be slow and in the way, whether they are or not. Found that people tend to pull out in front of them at junctions and roundabouts, and tend to take extra lengths to push in front of them in queues of traffic and that - it's easy for conflict to arise, no matter how screwed-on your lad's head is. Plus being RWD/rear-engined/short-wheel base means the handling is somewhat unpredictable on the limit, and the limit isn't especially high.

Thoughts on the Clio, and the afore mentioned Rover 25?

Not a fan of the Rover 25 - unpleasant to drive, and the few facelifts it went through don't detract from the fact it's an old design and hence probably not as safe as similarly aged competitors.

Clio could be a good bet...though if you were considering that, it could also be worth looking at the Mk1 Megane coupe - quite sporty looking, 4-star NCAP, you can get tidy examples for around £1k, and with the smaller engines is only about GP4 insurance. Only question mark would be around reliability...though good breakdown cover can be had for around £100...

Rob.

Im 19, 20 in June.

I bought my fabia in July '08 after owning a Peugeot 106 (chavy!) and a Lupo.

Insurance is a tad over £1000 fully comp with mods declared, 2 years no claims, 2 years licence, no points etc.

That's with Bell, i found it better when insuring my own car to add additional drivers as this shares the calculated risk and there's nothing illegal about it.

For instance, this year i have one of my grandparents and (now ex) girlfriend on my policy which dropped the quote by a few hundred pounds.

Kev

Im no expert but i do work for a insurance company, and most insurance companys will not insure a under 25 on a vRS on the basis it comes out as a group 9* e.g higher risk etc. The few places that do quote will be asking for as much as a vrs is worth almost - as stated in one of the previous quotes by someone with 5,00 pound quote.

I insured a Punto GT when I was 19. Group 14 insurance and I paid around £1k.

I also insured a BMW group 13 when I was also 19 and it was the same.

I was 23 when I got my Fabia vRS and I was paying £332 per year.

So what insurance company do you work for that wont insure anyone under 25 on a group 9 car? :confused:

Im 19 just got mine befor christmas with 2 years no claims only 896 fully comp plus all extras that was with amiral