That can only be a good thing!

As for wealthy offspring with flash cars at a young age, I knew quite a few at school and the majority seemed to be on 'fleet' type policies as their family had so many cars! Whether this was all above board or not, and they were actually fully insured to drive their new, shiny hot hatches I'm not quite sure.

I believe it works along the lines of company car policies and certainly I was lucky enough to (legally) drive many cars through my Dad's company that I wouldn't have otherwise been able to drive, because the company had a 18yr old minimum age and as long as you were 'enrolled' all was well. This meant a full driving license, a form filled out and that you were a direct relative of a company car driver.

I'm sure Chris Knott/Adrian Flux et al could advise further and in more detail on this sort of policy; it's probably something they offer and have experience in.

Steve

Well for now I will have to stick with the Felly.

Although we were talking the other day about going round to the Skoda garage and some point and getting them to do us a deal on a couple of Fabias.

I just would never have been able to afford a fast car like a vRS when I was 17 even though I was working hard and earning a decent amount my parents were particularly leaniant and didn't have enough money left over once I had paid my phone bill, broadband, rent/board money etc.

P.s. I recently added business use to my policy for my new job and it didn't cost me a penny more!

Phil

Im abit older at 22 driving my octyy vrs mk1 ...love it...insuranc is 600 with 1 yr ncb...had an a4 bedore that on dads policy....love the car.....always gets looks when its been polished, it looks awesome when it shines....

Im abit older at 22 driving my octyy vrs mk1 ...love it...insuranc is 600 with 1 yr ncb...had an a4 bedore that on dads policy....love the car.....always gets looks when its been polished, it looks awesome when it shines....

Time to change insurers me thinks.I've got 10 years on you and am paying that on my Furby with Asda.

I have driven Skoda's since I was 17 (now 24). I started off in a 1.3 Favorit (no vRS for me!)) That was still £1000 to insure 3rd party only! Now up to an Octavia 1.6 (after 3 Felicia's and an Octavia) and still waiting for the day when I have an Octavia RS!

In Ireland insurance is pretty much based on engine capacity,with factors such as make of the car not shifting the price too much. In some cases this can work for you,eg. a 150brake toyota levin with a 1.5 engine would probably cost something similar to an almera to insure.

"Fronting" is very common here (don't think its frowned upon here) as insurance companys tend to shaft young drivers (i have a mate with a 180sx in his mothers name,police had a good laugh when they asked to see his details "this is your mothers car is it?!" and sent him on his merry way)

The insurance companies are starting to bring in these schemes that allow young drivers to get massive discounts on their insurance by giving them the option of getting lessons of an instructor from them,doing an extra test by an examiner who then passes on the good word to your insurer who knocks 50% off your premium.

But if you're a farmer you can get insured on a 3 ltr. land cruiser for €180 a year

I do find my insurance on the skoda a bit expensive,but not unreasonable as it is a powerful car,but being on Mammys policy makes it affordable,so i'm chuffed

I'm 32 still on a Felly, I think that you need to have had a couple of real sh*tters before you can really appreciate a Vrs.

I'm 32 still on a Felly, I think that you need to have had a couple of real sh*tters before you can really appreciate a Vrs.

In the late 80's when I passed my test , it was the norm for any new driver to have a cheap car as their first vehicle , I cant remember any of my mates having nearly new motors , most were in the 10 to 15 year old range (mk1 Golf , Mk 1 Metro , 70s minis etc). Now it seems most young drivers get straight into a nearly new motor , I dont know how they can afford it , I struggled to buy , do up and run my 1974 mini in 1986-7 when i was taking my lessons and test , mind you I was on the good old YTS....:rotz:

:)I'm slowly working my way up the ladder....in 1990 my first Skoda was a 1988 Rapid 130, now 19 years on I've worked up to a 1990 Rapid 136!:P Another 10 years I might go all high tech and get a Favorit!

Haha...i like the last comment.... :)

Time to change insurers me thinks.I've got 10 years on you and am paying that on my Furby with Asda.

Im with direct line...give them a try, they are very cheap, and my mods made no difference...(well i dont think the map did, I had it done on the fisrt day so i had it included in the original quote,) the exhaust didnt add to it and the exact price is £644.44 with interst free monthly payments cant beat that

:)I'm slowly working my way up the ladder....in 1990 my first Skoda was a 1988 Rapid 130, now 19 years on I've worked up to a 1990 Rapid 136!:P Another 10 years I might go all high tech and get a Favorit!

High tech... , this is the first car I've had without a manual choke, not to mention the Nova which iced up on the inside of the windscreen.

Im with direct line...give them a try, they are very cheap, and my mods made no difference...(well i dont think the map did, I had it done on the fisrt day so i had it included in the original quote,) the exhaust didnt add to it and the exact price is £644.44 with interst free monthly payments cant beat that

Pretty sure when I took out the policy with them they made it clear no mods were allowed. Although it could be an age thing as I was either 17 or 18 at the time (memories gone already!).

From memory I think the certificate states clearly that wheels, suspension and engine (performance stuff etc) couldn't be upgraded.

My Cert States the mods on it so im happy enough with that them I had a 306 GTI when i was 17 and I couldnt mod that...maybe an under 21 thing

Would makes sense as they drop the price by £400 once I hit 21. Still not a company I will ever use again though.

Got my vRS at 19 (20 now), and friends thought I was mad for wanting a Skoda.

Accountants get paid quite well

First car i had after passing my test was my moms mini,(the old classic mini) had it for 6 months then i got a peugeot 1.9 gti, xr3i,xr2i,etc etc over the yrs.Last 4 yrs i had an impreza sti,within the first 3 months it was broken into twice,had 7 yrs no claims and the insurance decided to take 5 yrs off me :thumbdwn: most young lads i talk to either want an evo an impreza or a golf r32,and don't really have any idea the real cost of owning them(impreza £400 for a full service).I miss the impreza alot and they can give you hours of fun driving,but you got to keep on top of them servicing etc,alot of younger guys don't seem to understand the money you need to keep these cars in A1 condition.So now i got myself the VRS and have to say after owning it a few months i enjoy driving it it's an excellent car.im saving over a grand on insurance compared to the impreza ,plus i havent got all the bother of putting wheel clamps on etc everytime i park it up for the night.My only slight dissapointment of the vrs is,if only it was 4wd.but thats only probably because i have come from the impreza..

Im a VRS owner at 21.. My last car (Smart Roadster Light) was a hgher insurance group than the VRS so my insurance company, Privilage actually gave me £50 back when I put the VRS on the policy instead. I think my insurance was only £350 fully comp, protected no claims, etc, etc.. It might be the sex issue that it's cheap though!

It might be the sex issue that it's cheap though!

Why? Who did you sleep with to get the price down?

Being 25 i can't really join in this under 20's discussion :P but I'd be more than happy driving one if I was a teen who could afford it

The Skoda badge would really help the warm feeling inside from mullering Saxo VTR's and Corsa's and then still being able to drive home at 50MPG!

Actually I I still get that feeling!

Some of the insurance comments have me intrigued - I might have to give Directline a call come renewal as m666me's premium is almost identical to mine for the fabia and I have 8 years no claims!!

I had to pay £650 with one year no-claims fully comp. on my 2001 Fabia 1.4 16v estate. I'm 23, it's hard to tell if that was a good deall or not :slant:

I had to pay £650 with one year no-claims fully comp. on my 2001 Fabia 1.4 16v estate. I'm 23, it's hard to tell if that was a good deall or not :slant:

Doesn't seem too bad if you live in an inner city high crime area

Im a VRS owner at 21.. My last car (Smart Roadster Light) was a hgher insurance group than the VRS so my insurance company, Privilage actually gave me £50 back when I put the VRS on the policy instead. I think my insurance was only £350 fully comp, protected no claims, etc, etc.. It might be the sex issue that it's cheap though!

:eek:

:rofl::rofl:

What does annoy me is my friend passed his test today and is off to live at uni for the next 3 years. When he finishes he won't have driven at all in that time, but will have cheaper insurance due to being over 21 and held a license for 3 years. IMO, that makes him a higher risk than someone who is in practise (although arguably he will have natured by then).

It just seems unfair that, at the end of the day he will be as practised as a newly passed driver, but as he is slightly older it will be that much cheaper.

Rant over.

17 year olds more likely to race and show off to the "birds"