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Citigo/Up! insurance?

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Been to test drive the Citigo today, very nice and seriously concidering one. Iv already done an insurance quote the other day for the Up! but realised the Citigo is cheaper to buy so im after one of those but can someone explain why there is a £300 difference in the insurance? Its the same sodding car is it not?!

What prices have you been quoted?

VW are usually more due to higher value & repair prices

According to Parkers:

All of the Citigo models are insurance group 1 except the Elegance 75 which is group 2.

For the Up! - Take Up and Move Up are group 1 -everything else group 2

I had an insurance quote for an Up! White... Was about £250 fully comp

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The Up! was £450 and the lowest quote for the Citigo was £660. These are single car quotes, im going to ring my insurers on Monday to get a multi car quote, im with Bell (Admiral group) so it may be cheaper, if it turns out the Citigo is a no go :giggle: then i wont bother but thats thrown me, i honestly though the Skoda would be the cheaper to insure out the two

First thing I did, before getting my daughter to take one for a test drive, was do the comparison site thingy.

Bearing in mind she is currently paying £1400 fully comp on a 106, the best quote of £450 (from Diamond) kind of made buying the citigo a no brainier.

Did you get a quote from them?

The thing that amuses me is why admiral, elephant, diamond and bell all give different quotes?

They are all the same company!

Just got a quote on a Citigo Elegance Greentech and the cheapest was £760 :o

The thing that amuses me is why admiral, elephant, diamond and bell all give different quotes?

They are all the same company!

From memory, you get a slightly different level of standard service with each one. Admiral who usually cost more give courtesy cars, breakdown cover or whatever, whereas the cheaper ones don't. Or I think that's what I found.

Just got a quote on a Citigo Elegance Greentech and the cheapest was £760 :o

Yes, but you live in a Baghdad!

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I love multi car, i can insure both the vRS and the Citigo for under a grand :) that will do me!

Admiral wanted £1700 to insure our two cars here, and separately we pay £950... :p

The Up! was £450 and the lowest quote for the Citigo was £660. These are single car quotes, im going to ring my insurers on Monday to get a multi car quote, im with Bell (Admiral group) so it may be cheaper, if it turns out the Citigo is a no go :giggle: then i wont bother but thats thrown me, i honestly though the Skoda would be the cheaper to insure out the two

Apparently the auto braking system is absolutely worth having as it can reduce the insurance group by 1 and therefore pays for itself in 1,2 or 3 years so is a sensible option that is not only "a major improvement for road safey", like ABS and ESP but actually worth it financially as it reduces insurance and a valuable extra to have on the car.

Edited by lol

Maybe the Jury will be out on 'Auto Braking' untill it proves it's self to be reliable on cars once they reach 3 years old and have to pass a MOT and are going out of Warranty.

It will be interesting to see the price when trading in of the 'used' more electronically complicated vehicles in just a few years.

Electric Steering, Electric controlled assisted braking, Electric assisted diffs, Gearboxes with Hill control assist, Stop/Start etc.

Personally with new cars in 2012, i would only be buying ones with a 5 or 7 year warranty.

PDF's. DRL's, TPM's fancy brake and lights systems, ECO tyres etc will possibly have residual values dropping through the floor on second hand vehicles by 2017.

I think i will stick with vehicles that KISS.

Other than my current daily driver obviously that is like a Hand Granade with the pin pulled.

Maybe worth purchasing the most basic Euro 5 emission engined vehicle available before we get forced into the next generation EURO 6 compliant Emission vehicles.

George

AKA as 'We are all doomed'

You mean electric steering like 10 year old Vauxhall Corsas that still work fine?

No because it is 10 years old and works fine,

maybe how about 106/saxo that does not.

Or some of the stuff from this decade that is only 2 years old in 2012 & we need to see how it is in 2015.

Lets think of Toyota iQ's that first came to the UK in 2009 and had to have steering & ECU & Brake pipe recalls on models up to Nov. 2010.

These are now getting their first MOT's and are going out of Manufacturers warranty.

People are now rushing to get the EGR checked out and replaced before the warranty is out, other wise in 2 months time they might be £600 out of pocket.

I wonder what is going to happen to Toyota iQ values on a 2009 model by 2013!!

george

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Isnt the brake assist an optional extra on all models? So i would have to tell my insurance i have it to therefore get the discount, i bet it will not change it that much.

Ill be interested to see how they will test this brake assist in a couple of years time to make sure its still working, i suppose they could try crashing into something inflatable but i cant imagine 100% of owners being happy with this, theres always one who has to be difficult.

Think im going to leave getting on for a few month, so i can save a bigger deposit as i was going to for the S but this has literally nothing but an engine and a wheel in each corner...how can they still get away with selling brand new cars with no remote central locking or ESP?!

I think there is about to be a great choice of Twin-Air and small capacity engined vehicles coming available just shortly and amazing value ones like the Dacia Duster (@ Renault).

The thing is, do you buy something tried and trusted or at least something 12 months on the market or risk getting in there early.

It is being proved again and again that Major Manufacturers do not always get it right at first, and by the same merit that the last of a line after years of a model or car type is not always better than the ones from the Middle years.

Toyota, Ford, BMW, Vauxhall, Peugoet, Citroen, Renault, VAG models and the rest keep blotting their copy book.

Often they get a model and the parts just so right and then replace or update with a disaster.

Honda, Suzuki, Kia, Hyundia, Subaru etc seem to get it right more often than some of the others.

I have a 2003 Jimny & a 2006 Kia Picanto that will stay with my family till the end because they are the best years of those models,

i have bought newer ones that were moved on very quickly as they were inferior.

george

Isnt the brake assist an optional extra on all models? So i would have to tell my insurance i have it to therefore get the discount, i bet it will not change it that much.

Ill be interested to see how they will test this brake assist in a couple of years time to make sure its still working, i suppose they could try crashing into something inflatable but i cant imagine 100% of owners being happy with this, theres always one who has to be difficult.

Think im going to leave getting on for a few month, so i can save a bigger deposit as i was going to for the S but this has literally nothing but an engine and a wheel in each corner...how can they still get away with selling brand new cars with no remote central locking or ESP?!

I was going to wait for the 5 door to come out and see what discount is avialable. If you cannot get around 10% of retail then the Fabia is still much better value.

Yes I agree ESP should be mandatory by now, it is such a life saver if you drive with spirit.

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I was going to wait for the 5 door to come out and see what discount is avialable. If you cannot get around 10% of retail then the Fabia is still much better value.

Yes I agree ESP should be mandatory by now, it is such a life saver if you drive with spirit.

Its not only if you drive with spirit, i was driving on a small B road yesterday in the Octy, going as fast as the road would allow safely, drive past a farm, a tractor had pulled out not long before i arrived and had thrown fresh mud all over the road. No ESP would of resulted in the tail happy situation but still controllable, ESP kicked in before i knew it and kept the car on the straight an narrow even going round the following corner...got to love tractors....

Isnt the 5 door already out? I drove the 3dr yesterday and yes the doors were huuuuuge! Yeah im in not massive rush for one but my poor Octy is not cut out for the work she is having to do :(

Meh, people were saying that 10-15 years ago "when all these new technologies go wrong we`ll all be doomed" for the most part cars are fairly reliable, plenty buy 3, 4, 5 year old cars without issues and which go on for miles and years.

As for the brake assist I`m sure they`ll be some kind of test mode, air bags arnt tested by smashing the car into a wall are they? :rock:

Quite like the little citygo tbh, although i`m yet to see one in the metal.

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Meh, people were saying that 10-15 years ago "when all these new technologies go wrong we`ll all be doomed" for the most part cars are fairly reliable, plenty buy 3, 4, 5 year old cars without issues and which go on for miles and years.

As for the brake assist I`m sure they`ll be some kind of test mode, air bags arnt tested by smashing the car into a wall are they? :rock:

Quite like the little citygo tbh, although i`m yet to see one in the metal.

Haha this is a very good point!

I want complete worry free motoring, new car; no mot's, it has free servicing and its under warranty. Iv had plenty of sheds in my time and the Octy has a habit of been the main attraction

Lots of those 10-15 and even 25-30 year old cars are great and sail through a MOT,

nice simple emissions test no cats and all the lights go out when it is in for the MOT test since Jan 2012.

Pre 1996 is good for a MOT & 2001 is nice for the road tax if not as cheap as some newer cars.

Lots of nice reliable cars went away in the Scrapage Scheme while some horrors continue to stay on the road.

PRE 1960 cars not needing a MOT should make no difference but i bet some get excited like they do now with a Tax Exempt 1973 even if they pay more than the RFT they save.

Luckily the MOT test they introduced is not very difficult to pass when all the warning lights on the Dash come on in check then go out again, we will see what happens in the near future when the Government want more cars selling.

Some people need to check out their cars like Granada Scorpios, the Airbags are now out of date, not a problem there, but soon will be on some newer cars built in the last few years that will require the Bags and other safety items to be replaced when that shows in the ECU's progamme and a dash light fails to extinguish during a MOT.

Newer Land Rover Vehicles are going to be a sure fire disaster to keep running for a few decades where the ones from the 50's to the 80's keep on going.

george

Haha this is a very good point!

I want complete worry free motoring, new car; no mot's, it has free servicing and its under warranty. Iv had plenty of sheds in my time and the Octy has a habit of been the main attraction

Yeah, it`d be a nice little setup to have the citygo as the cheap eco daily driver & keep the octy nice and smart for enjoyment/shows.

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Yeah, it`d be a nice little setup to have the citygo as the cheap eco daily driver & keep the octy nice and smart for enjoyment/shows.

Well i dont think the Octy will ever be a show car but i love it to bits, it handles really well thanks to the KW's its on and come the 19th it will be kicking out 230bhp which i think is more then enough for a run on the moor roads on a weekend, yes its a diesel but this really does not matter to me, to me this s plus point, it will **** all over the petrol vRS's and still return 45mpg when kicking in its teeth, we cant all run VR6's you know :)

Edited by Ema_jane

Citygo 75bhp for me is £288

Up! move up is £278!

and my car a 1.9tdi sport is £381! so may as well stick with ogy :D

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