Hi guys, might seem like an obvious question but I was thinking of an upgrade from my current Fabia 2013 reg 1.2 SE to a monte carlo 1.2 TSI. The only problem is i'm only 19 so i imagine insurance would sting a bit if i go for the 105hp one. Long story short I was wondering if it would even be worth the small jump to the smaller HP monte? Or should i bite the bullet and get the 105HP one if possible?

Get the lower bhp one it's only a map which is different from the two. Then get a remap or tuning box on it

Awesome, just checked a quote for one and it was half the price of mine now for a 2012 plate one. I think i might have to.

You might be better insurance wise buying and insuring a 105ps car rather than getting valid insurance with a lower power one and declaring the Mod of a Tuning Box or Remap at 19. 

Best check which is going to cost less for insurance and include the cost of the Tuning box or remap in the equation.

I agree with George. A standard 105 is most likely cheaper than a mapped 86.

Unless you dont declare the map. But then you might not be insured at all...

I checked without it being mapped and it was £1200 and mine now is close to 2300 all together. i think either way itll be cheaper just by how much really. Ill take this into account and check prior to this however.

There are good Insurance Brokers that sponsor this forum, worth getting quotes from them.

Maybe some will be along soon offering their services with a quote.

It's not always about the BHP. It is mainly around risk and the profile of your age group. 

 

When I changed from my Octavia (granted I was 29, not 19!), I went to a more expensive, better equipped car with 20 more horses and I got an £80 refund on the remaining 6mths of my policy....

 

It may be worth looking at non monte carlo 1.2TSI as well to see if that'll affect the premium. 

Or you could leave it a year. The price will shoot down once you've got another years no claims bonus.

Or you could leave it a year. The price will shoot down once you've got another years no claims bonus.

 

True that!

 

I know im abit older (i was 21 when i got the Fabiain 2013) and with no no claims it was £800, then over the following years its steadily dropped to £500. 

 

A year might save £100 or so. 

 

Depends how much it means to the OP and if its worth it to him. 

 

Id be inclined to spend the extra money if i wanted it that much though.. 

Have you tried swiftcover? They seem to be very cheap at the minute, my current insurer has just matched their quote which was nearly £100 cheaper!!!

There are good Insurance Brokers that sponsor this forum, worth getting quotes from them.

Maybe some will be along soon offering their services with a quote.

They wasn't great for me! Tripled in price ha!

I've been with elephant since I passed my test, every year I've rang them with a reference to a lower quote and they've simply matched it. I went from a mk1 fabia to the Monte carlo 105bhp, got my no claims up on that then last year purchased a VRS and the renewal is around the £500 mark mods declared.

Edited 4 February, 201610 yr by LGM

Elephant also do a bonus accelerator, you buy a 10 month policy and get a years NCB added at the end. Also, if you live with your parents have a hint about a multi car policy with Admiral, I just insured a 1.5petrol turbo 160ps mondeo mk5 for £148! With multi car discount, when the wife's car is up for renewal you transfer that to Admiral and pay to the end of the mondeo policy (pro rata) then reinsure both at the same time, plus the wife's car would have 3 months between the end of her policy and renewal of mine so they will charge her £50 for that 3 months but give her another years NCB in that 3 months.

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I think i'm best off waiting for the years no claims, to be honest the Monte Carlo would only be a stepping stone to the VRS i've always wanted anyway so it wouldn't be cost effective to change twice. thanks for the help guys.