im 20 and my vrs is costing just over £1000 to insure fully comp this year on my own name, my old cabriolet mk3 golf was £1700 with a staggering 75bhp, i agree get a smaller engined car for a 1st car no offence but it will proberly get hit at some point.

What about a VW lupo 1.4 sport?

Or even Lupo 1.4 tdi?

I know this is irrelevant, but for me (26, 2yrs NCB, 2yrs with licence) a Lupo GTi came out the same as a vRS in insure fully comp (£700).. so maybe a little Lupo sport will cost similar to a 1.4 Fabia?

My best friend got a 93 Jap Subaru Impreza WRX on his 17th birthday. Put on Company Insurance. He's now 22, hasnt crashed yet.

At the end of the day its all about the driver. He says Corsa's/Saxo's are for chavs. Then I doubt he is the type of lad to go racing round, going up and down our towns with his new clubland cd on to the max and with a bin hanging off the back of it. If he totals it then its his fault and he'll have to get the bus. Or the Hearse!!

I'm 21, FC on car in my dads policy me as main driver with mrs on it too. £700 with More than.

I got my vrs at the grand old age of 18 years and 4 months old - paid (and paying) through the teeth for insurance at approximately £1500 per year. I am now 19 with 1 years no claims bonus. I wrote off my first car (1.9SDI) in a moment of stupidity. If I'd started out with a vrs I'd probably have had the accident at a higher speed and hurt myself or someone else. But then I was an idiot for the first 18 months of driving, looking back. Not stupid stupid, but I definitely would not drive like that now with 100k miles and 2.5 years of driving under my belt.

What about a VW lupo 1.4 sport?

Or even Lupo 1.4 tdi?

I know this is irrelevant, but for me (26, 2yrs NCB, 2yrs with licence) a Lupo GTi came out the same as a vRS in insure fully comp (£700).. so maybe a little Lupo sport will cost similar to a 1.4 Fabia?

I don't think the Lupo sport will be overly cheap either. It is cheap for us, but it's my wife's car, she's nearly 40, does very low miles and has a clean, claim-free record.

I got my Furby about six months ago. Im cumming up for my 19th. I pay £170 odd a month. Alot of money but well worth! At the end of the day you can drive any car fast, and crash any car. You have got to educate young drivers of the conciquences of crashing (cant spell!). In my case my old man told me if I want a Skyline anytime soon then dont drive like a w**ker, and you can drive what you want with a clean liecence.

My son is just 3 months away from his 17th., and has got his sights set on purchasing my Fabia vRS at a no doubt horrendous discounted price, minus the £1000 I'm giving him towards his first car purchase as an early 18th pressie.

I've warned him that he'll probably never find an insurance company that would be willing to take him on as a learner, and if he did, they'd probably be talking telephone numbers. :eek:

It's down to him anyway, as he's been told that the insurance is his 'baby' from the word go, and it WILL be checked by me when he's got it.

Anyone in here ever insured a vRS as a new 17yr. old learner driver?

I am 19 an my insurance cost me after 2 years claim free dirving 1180 with Admiral, for your son, I can imagine 3000 upwards!

I got my Furby about six months ago. Im cumming up for my 19th. I pay £170 odd a month. Alot of money but well worth! At the end of the day you can drive any car fast, and crash any car. You have got to educate young drivers of the conciquences of crashing (cant spell!). In my case my old man told me if I want a Skyline anytime soon then dont drive like a w**ker, and you can drive what you want with a clean liecence.

Damn! You pay 170 a month, I am paying 99 a month!

Who are you with??? Give Admiral or Elephant a look!

I am 199 too btw

I'll state quite catergorically that my soon to be 17 year old will NOT be getting behind the wheel of my vRS. It was never really in the equation tbh, I was more interested in finding out if anyone of that age had actually 'done it' so to speak.

My best friends son is selling his Rover 25 1.1 which he's had fairly trouble free motoring with for the past 2 years. Initially I was interested until I found out he'd lowered the suspension, thrown a set of (albeit Rover) alloys on and a drain pipe exhaust.

Local garage is selling a 53 plate 1.2 Clio with a mere 12k on the clock, one lady owner from new. Absolutely mint it is, but a bit steep at £3500 imo.

Wonder if buying a classic would work out any cheaper on the insurance?

Found a mint Anglia estate 105E for £3500.

Road tax exemption applies too.:wmann3:

N Cap rating's a bit on the low side however.

Hi

I am 22 now with an octavia vRS, when I was 17 I nearly bought a nearly new Fabia vRS, I could insure it in my own name with my Dad as a named driver, it was very costly so i got a 306 instead and waited til i was a little older, my quote i think was through Direct Line who i am still with (very cheap btw).

Good luck to you.

Matt

At the end of the day its all about the driver. He says Corsa's/Saxo's are for chavs. Then I doubt he is the type of lad to go racing round, going up and down our towns with his new clubland cd on to the max and with a bin hanging off the back of it.

Correct, and very accurately described.

It really winds him up seeing some of the nutters driving around here, muttering "no wonder insurance is so expensive"

Nice to see I've taught him to scowl at the negative things in life.

No, whatever he ends up with, it'll be remaining standard and will probably end up being the cleanest example of its marque. He's absolutely fanatical about detail cleaning, which is why my Fabia is probably cleaner than the day it came out of the factory.

I'll be applying for his prov. licence shortly, and then his written test.

He's on a race to beat me to his full licence. I took 2 months, so the heat is on.

Once he's passed, he'll be doing extra motorway lessons, pass plus and then his IAM. I need and want to see all that completed within 6 months of his start date.

I may not have been much use to him with his maths homework whilst he was studying for his GCSE's, but I'm determined to see him become a safe considerate and 1st class driver.

Edited 18 June, 200917 yr by Bigw2069
fixed quotes

Well done for thinking in terms of the IAM. I took (and passed) my IAM test six years ago, and am enjoying paying less than £200 fully comp with protected NCB and full legal cover for my fabia Vrs. They also give you fully comp insurance for an unlimited time when taking car abroad.

Well done for thinking in terms of the IAM. I took (and passed) my IAM test six years ago, and am enjoying paying less than £200 fully comp with protected NCB and full legal cover for my fabia Vrs. They also give you fully comp insurance for an unlimited time when taking car abroad.

Yup. It's not all about saving money though, as good as that is. I took my IAM when I was 21, and it was probably the most positive thing I did in my motoring history.

It really does make you more aware of what's going on around you, and as a consequence of my keen sense of awareness, I reckon I've avoided being involved in accidents many many times.

Still didn't stop me getting flashed and stuffed, in a strange to me area, by a bloody Getso money making machine 6 months ago though during a very brief lapse in concentration. 6 mph over the limit.

I'll state quite catergorically that my soon to be 17 year old will NOT be getting behind the wheel of my vRS. It was never really in the equation tbh, I was more interested in finding out if anyone of that age had actually 'done it' so to speak.

My best friends son is selling his Rover 25 1.1 which he's had fairly trouble free motoring with for the past 2 years. Initially I was interested until I found out he'd lowered the suspension, thrown a set of (albeit Rover) alloys on and a drain pipe exhaust.

Local garage is selling a 53 plate 1.2 Clio with a mere 12k on the clock, one lady owner from new. Absolutely mint it is, but a bit steep at £3500 imo.

Wonder if buying a classic would work out any cheaper on the insurance?

Found a mint Anglia estate 105E for £3500.

Road tax exemption applies too.:wmann3:

N Cap rating's a bit on the low side however.

Already thought of that for my daughter as she wanted an early Mini. Classic car insurance is very low on the premiums if you limit the yearly mileage to 3 or 4k per year but you can only get these deals for drivers overs 21years old.

I envy a lot of the people who have posted in this thread..

I've had to pay £2k this year on my Furby vRS. I was 21 when I took out the policy, zero NCB but have a few years named driving experience. The big killer is 5 points on my license. Received a CD10 (Undue car and attention..) conviction after overtaking an unmarked Impreza WRX at speed on the bike I had at the time. I didn't receive a ban or any hefty fine, but the conviction alone has cost me a fortune. Insurance doesn't bother me though. At the end of the day I still own an Aprilia RSV Mille and a quick hot-hatch. Just had to fork out £2800 in insurance for the year!

Roll on old age and a clean license!

sound corsa b can be chavish but you can turn any car in to a wrong-un

i had a corsa b to start off with 1.2 (completly standard appart from aftermarket alloys) had that 17-20 got my experiance from that good little runner not chavish

since had fiesta 1.25 c2 1.6 clio 1.4

i now got fabia 1.9tdi not crashed any of them or dingged them hopefully stay that way.

go for a small car little engin not a vrs yet driving test only shows you how to pass a test you learn how to drive once you passed

sound corsa b can be chavish but you can turn any car in to a wrong-un

i had a corsa b to start off with 1.2 (completly standard appart from aftermarket alloys) had that 17-20 got my experiance from that good little runner not chavish

since had fiesta 1.25 c2 1.6 clio 1.4

i now got fabia 1.9tdi not crashed any of them or dingged them hopefully stay that way.

go for a small car little engin not a vrs yet driving test only shows you how to pass a test you learn how to drive once you passed

Well I had two Rover 200 based cars, the first a Rover 25 1.4 and I can say that this was a good car for the money did me well and managed to do over 30,000 miles with no problems.

The second was a Rover 200 BRM 1.8 and this car was great and managed to do almost 50,000 miles in this and loved every minute of it, really was an under-estimated hot hatch and regret selling this now.

Currently have a Octavia vRS but the Rovers did me well for the first few years of driving with cheap insurance.

what about a pug 306 1.6? cheap insurance and there pretty nippy plus quite strong in a crash?

Just doing some search engine quotes for a trade sale 1.1 Hyundai Getz that I've driven today.

I'm having to pretend that my son is already 17, otherwise it won't quote me.

Just thought, I sincerley hope I'm not breaking any rules or laws here doing this. :eek:

One quote was for a quite reasonable1150 (pound symbol packed up) as him as the named main driver on a provisional licence. Changed it to a full licence and the quotes shot up to a staggering starting price of 3000+ pounds!!

Does passing your test increase your premiums then? :confused:

Some cars have higher theft or accidents than their rating.

The usual Corsas and fiestas should work out cheaper. try a quote on the 1.2 active sport punto I mentioned.

Does passing your test increase your premiums then? :confused:

Yep, as the driver is no longer supervised by a 21+ full licence holder so is deemed to be a greater risk.

Yep, as the driver is no longer supervised by a 21+ full licence holder so is deemed to be a greater risk.

Not having done this before I realise now how ignorant i was. Logical really now.

I can't quite take in the horrendous online quotes I'm getting though. Everything seems to be jumping to over 3k once a full licence is obtained. :eek:

New push bike beckons for his 17th birthday at this rate.

People seem to be offering up all sorts of comparisons along the lines of "I'm 19/20/21/22 etc with 1 yrs NCB etc", the thing to remember here is that for young drivers any advantage towards a policy makes such a difference. For example an 18yr old having 1yrs driving experiance, and a yrs NCB will result a considerable drop in premium price when compared to a 17 yr old brand new drive (...that said, it is still going to cost hideous amounts for an 18yr old with 1yrs NCB on a VRS).

I find that car insurance is a funny thing and often not as predictable as expected, look beyond the numbers of insurance group ratings etc, although its a good indicator its not the be all and end all.

I had just turned 18 when I got my first car, Peugeot 205 GTX 1.4, I think that was insurance group eleven, similar to the 106 rallye that has been previously mentioned in the thread, a very quick little engine that would upset alot of proper hot hatches around town. I insured this car for £710, as an 18yr old brand new licence etc, all in my own name which I was quite pleased with, part of the good price was due to adding both Parents onto my policy as second drivers, which brought the quote down by 50% or so!

This little 205 was a cracking car and was great fun to drive, it taught me a lot about driving (with no ABS, TC etc). I had this for about 8 months when I was faced with a long daily commute and needed something a bit more sturdy than an old 205. I got a Peugeot 306 DTurbo Sport at the age of 19 with 1 years no claims and was paying just a tad over £500, these things are insurance bargains (group 5 or 6 I think) and would strongly recommend one to a yound driver interested in something different. When you get into a 306 D turbo the performance seems incredible after you've been sat in your friends 1.2 corsa's paxo's etc.

My advice would be to try and be reasonable and your son seems pretty switched on, when I got my 205 I really wanted the Gti, but the insurance would have been £1600, I mean £1600!! thats a stupid amount of money to be paying, extend the car search and shop around for insurance, try different tactics (adding/removing named drivers, etc), I have never paid over £800 for insurance and at 20 I had a group 16 seat Ibiza Cupra Sport Gti 16v. Take it slow and build up the NCB, there are still cracking little cars to be had. Getting good car insurance should be made an endurance event!

On another note (rant begins) as much as I love cars I think paying over £1000 on insurance is a rip, let along the £2000+ figures that people are coming out with. Not to sound rude to some of the younger members on here but how much are you earning if you are paying £2000+ on car insurance?

Again, not having a dig at anyone, but just pondering the current situation, the economy is in ruins, ultimately because people can no longer manage to live within their means, taking loans for this that and the other. I think aspiration is a good thing but when things like insuring a car you really like start costing you what must be at least 30% of a 17-19 yr olds income before tax (thats assuming they are in work) then something isnt right. I'm not pointing fingers, just genuinely curious about how this young people are affording these premiums.

I'm earning well above the national average salary which is how I can afford the ridiculous insurance on the vrs. I tend to only use my salary for fuel and then use my freelance earnings to pay for the other car stuff such as insurance and tax. My freelance earnings each year easily cover my insurance and tax bill for the vrs.

If I can earn the money what's the problem in spending it on having a car I wanted? In case you missed it I got the vrs at age 18.