Just a quick one people im 21 in 15 days and this means my cover gets cheaper plus i have 2 years no claims.... sadly due to insurance going up i still have to find a good deal... where has everyone else gone to insure their vrs as cheaply as pos?

geoffery simmonds insurance i only renewed last week. fully comp can drive any car 11 years no claims and work in the motor trade thats a killer and it was £479 well over £100 cheaper then anyone else and over £200 cheaper then my renewal with adrain flux

Have a try with some of our insurance forum sponsors, such as Sky Insurance or Adrian Flux and see how you get on.

I am 33 full NCB, insurance for wife (Also 33) and myself with protected NCB £425.00 with £150.00 excess. I have to be honest I still think that`s a lot given our age and NCB and never having an accident or points!!!!! Liverpool-Victoria.

I remember looking forward to being 21 for cheaper insurance, never really noticed the difference. Then it was 25,I remember thing my insurance was going to be penny's after my 25 birthday, didn't ever really change. :no:

hehe cheapest i have so far money supermarket with Churchill £1115 and thats when im 21 in if it was now it would be £2000

I am with Brentacre.

I was with Flux for the Octy last year, £500 fully comp with mods, 29 years old with a few years NCD, still with them for the Feli but its almost as much as the Octy was so will be changing to someone else come March. Best bet is to shop around until you're fed up with it, try the site sponsors and get them to try and beat each others prices. Sometimes you can get it cheaper if you put a parent on as a named driver

for some reason mine came out at £1,000 if i insured a standard one.im 27 with 8 years NCB

yh im just goning to set them up in competition with one another

Have a try with some of our insurance forum sponsors, such as Sky Insurance or Adrian Flux and see how you get on.

+1

I was with Brentacre last year and paid £3000 when I was 19 with a years no claims

This year with 2 years NCB I pay £1890 through sky insurance using the briskoda reference. (Both brokers used highway, an offshoot of Liverpool Victoria.. but funnily enough Brentacre wanted another £300 on top...robbin' Welshies ;] )

Along with most young drivers I've never found Adrian Flux to be any good and always quite patronising.. ooo 200 bhp at your age is a little much, should have a fiesta blah blah blah blah.. when I test drive 550bhp cars at work most days!

It all comes down to stats and where you live etc etc.. at the end of the day, Adrian Flux might be bad for me but give you the best quote due to low rates of accidents/crime in your post code area

Sky were good, This year I actually got a 0% credit card out this year to pay off the insurance instead of paying ridiculous interest rates added on.. Just don't forget when the 0% purchase interest rate runs out (mine was 6 months) then get another one as a balance transfer to clear that one etc etc..

Edited 3 January, 201214 yr by Lew_VRS

I shall be insuring it on my birthday on the 17th however i need to pick it up next week from kent which means i need insurance for a day, temp insurance wont let me (im too young for a car of that power *rubish!*) so any other solutions as far as that is concerned?

Sky were good, This year I actually got a 0% credit card out this year to pay off the insurance instead of paying ridiculous interest rates added on.. Just don't forget when the 0% purchase interest rate runs out (mine was 6 months) then get another one as a balance transfer to clear that one etc etc..

I always thought that was a really good way of doing it, you save a hell of a lot if you can pay your insurance in one go compared to if you pay by monthly direct debit so the 0% credit card is a good way of doing that (plus you can build up a bit of a credit record).

Its nice when it comes down to a level where you can just pay the whole lot at once but thats not usually until you're over 25 with 5+ years NCD behind you :(

I shall be insuring it on my birthday on the 17th however i need to pick it up next week from kent which means i need insurance for a day, temp insurance wont let me (im too young for a car of that power *rubish!*) so any other solutions as far as that is concerned?

Get a relative to get day insurance on it so they can drive it home? I don't think you can get temp insurance on something like a VRS until you're over 25.

Insurance is getting to be a joke now days. I went from a 280bhp Signum 2.8T all mods declared worth £5k to my Oct which is worth half the value and atleast 80 bhp less and could not get it insured any cheaper plus my original insurance company would not insure it at all. I'm now witha company called A Plan and pay £530 with 4 years NCB.

I'm now witha company called A Plan and pay £530 with 4 years NCB.

Out of interest do you know who is underwriting it (A Plan are the broker)?

Out of interest do you know who is underwriting it (A Plan are the broker)?

A plan are pretty good too!

My insurer actually recommended them to me after being unable to quote me happy on an impreza WRX wagon (lol)

As for not getting day insurance, as above get someone else to drive it who is a little older. Can you not just wait it out a few days?

i would like to get someone else to drive it back but only i am available, so i think i mite go seccond driver for a day then cancel policy (i always pay my insurance in one go i save loads in long run haha)

I'm 25 and have 5 years protected no claims and i'm paying £560 with swift for my Octavia vrs. That is with most of the extras and 20000 miles a year

Out of interest do you know who is underwriting it (A Plan are the broker)?

This is the stupid thing the under writer is Markerstudy and they are the same company who was underwriting my Signum!

Did you go back to your Signum insurer and tell them A-Plan were happy to cover you on the VRS with Markerstudy so why couldn't they?

I had the exact same thing happen to me with A-Plan and Adrian Flux, Flux beat my A-Plan renewal quote by £50 but then I found out they were both using Equity Red Star as the underwriter. When I complained to A-Plan they refused to match the AF quote so I left them for AF.

I think it's proof that certain brokers are skimming more of the underwriting profit than others, it seems they would rather lose your business for a year than lose a little bit of profit!

its cus their tight!

hmmm looking around its daftthis vrs is cheaper to insure than my fabia haha

Most insurers give you a good deal for your first year then whack up the premium at renewal so if you've had the Fabia on the same insurer for a couple of years it may now be dearer than the Octy. Thats why its worth changing insurers every year, so they don't screw you. Some of the insurers like Flux can actually give a better quote for a modified car than for a standard one because they deal with underwriters who are happier to insure modded cars.

hmmm i may see how they quote with mods then

hmmm i may see how they quote with mods then

LOL yep, I take it all the quotes you've done so far have been on a standard car? No wonder they were cheap

Most insurers give you a good deal for your first year then whack up the premium at renewal so if you've had the Fabia on the same insurer for a couple of years it may now be dearer than the Octy. Thats why its worth changing insurers every year, so they don't screw you. Some of the insurers like Flux can actually give a better quote for a modified car than for a standard one because they deal with underwriters who are happier to insure modded cars.

Too true, 2 'mods' with brentacre 'panel filter, upgraded diverter valve' knocked about £800 off the policy lol