Not the web-site, me.

 

 Looking at a new car for the eldest. 1ltr 6n2 Polo ramps insurance to £904 as a learner, £1900 cheapest as a named solo driver. However the same engine in a Lupo brings the insurance down to £685 as a learner, £1300 as a solo. However the carbon copy Arosa weighs in at £850 and £1500.  Same story if trying 1.4 engine'd vehicles.

 

 All three cars use the same platform, have the same power output and are similarly equipped. So why are the prices so varied? Why is the most expensive car also the cheapest to insure? 

It is to do with how many claims have been made by drivers in each car and how expensive they were to fix.

It is to do with how many claims have been made by drivers in each car and how expensive they were to fix.

 

That'll be the main reason.

Really? I'd have thought scraping the bumper on a Lupo and an Arosa would be exactly the same seeing as its the same part coated in the same paint. As more Lupos were sold than Arosas i'd also assume more accidents would be recorded against the VW, even taken proportionately the likelihood is that Lupos account for more payouts. 

 

Yes, claims costs aren't just about the repairs but also any resulting personal injury payouts.

Or whatever is most profitable eg hammering small engine'd cars because kids use them. Getting quotes on a 1ltr Suzuki Swift in excess of putting her on my 170bhp Passat.... 

rather than getting annoyed by things that are beyond your control you'd be better off getting quotes for other cars until you can find one you like that's cheap to insure.  Anything that's popular with any sort of 'cred' is bound to be more expensive to insure - try looking for something 'uncool'.  I'd suggest a small engined Fabia, FIAT Panda, older Nissan Micra, small Suzuki (Ignis or Alto) or any of the small Hyundai/Kia/Chevrolets would be a good starting point.

sparks- have you tried adding yourself as a named driver . My daughter decided that it would be helpful if I could drive hers occasionaly. With  her 9+ years NCB and experience ,adding me knocked over £100 off premium. So I'm permanantly added .

How old is the person you're trying to insure? I got my first car in February and the cheapest I could get insurance for was £4300 with a black box, for a £700 Peugeot 206 1.4 automatic, popular car so bits shouldn't be too costly, not very powerful, don't know what difference auto boxes make though.

But I have an 11 reg Fabia 1.2 manual now and that only cost £1600 to insure as of last Saturday with no black box and free green flag breakdown cover, came to £1900 without multicar.

So to me the price you're seeing for the Lupo doesn't seem bad. If you don't mind me asking is that with or without a black box? Because those things are a con and unless you drive like an angel your score will go down and then they want even more money.

Also as the person above said if you add yourself as a named driver and get fully com instead of 3rd party etc it will most likely reduce the cost a bit.

Edited 3 October, 201312 yr by Outofthi5world