Hi all.

On Saturday I'm upgrading from the somewhat exciting () 1.9SDI (64BHP) to a standard '04 1.9TDI VRS.

Very much looking forward to having a little (well a lot of) extra power for when I need it...

Enjoyed reading what I've read here so far (Although I'm afraid to say my car won't be remapped or modified in any way, I'm a bit of a purist like that!)

Insurance is a bit of a bugger though - £1,200 a year!

Jesus!

How old are you?

Welcome, by the way!

I give it 6 months max before you consider remapping it

I'm 18. "A little young" for such a car, is probably what you're all thinking.. but there we go! I can safely say I don't plan on even coming close to be another "young VRS driving idiot", the money I'm paying for the car and insurance is far too much to just chuck away.

Besides, even if I go a little briskly it'll be a fresh change from the SDI. 0-60 in 18 seconds.. speedy!

You'll enjoy it muchly

Be especially careful now the roads are greasy etc

I had an accident 12 months ago due to greasy roads (well, me not adjusting speed and driving habits correctly for the conditions..)... and I can safely say that in my opinion that was the best and most effective driving lesson I have ever had, and I learnt more on that evening than I learnt at any other time in a car.... and won't be making the same mistake twice.

Edited 11 June, 200917 yr by yegnold

I insured one at last year (at 20) for more than that, so you're doing well!

although I've recently found out I live in an E-rated postcode :-/

just remember these few simple things.

its a long time,dead.

articulated lorrys hurt when they hit you.

6 points, and your on a re-test.

HAVE FUN!!!! but not too much, you jammy sod

Hello there. I don't think your insurance is too bad. A friend of mine pays £200 a month for his 1.25 Fiesta. Enjoy your new car.

It's not extortionate but I'm going to have to avoid having any scratches altogether if I want to keep it that way... I was paying £700 a year for the SDI which is almost exactly 1/2 of the power...

I had an SDi for three years .....that's a hell of hike in power up to the TDi Vrs take it steady and enjoy.......but not too much:rofl:

Let us know what you think of the car when you've got it, looking forward to seeing your review.

Enjoy your new car, But watch what you're doing. The mid-range wave of acceleration is intoxicating.

Greasy roads are a pain, Mine tried to swap ends on me the other night. That was a first for me in a fwd car

I moved from a 68bhp Astra to a Fabia vRS just under 3 months ago. I can tell you, you're not gonna stop grinning everytime you get in the car.

Enjoy it, just learn there's no reason to be heavy with the right foot any more

Let us know what you think of the car when you've got it, looking forward to seeing your review.

My parents have had two VRS's in the past (the '04 one that I'm buying off them, and a 2007 SE (#395) so I already rate the car highly.. but have never had any driving experience in one!

I've read a lot on here about a lot of understeer in the VRS - one assumes this only really applies when you're thrashing it? I assume if you're going "normal" speeds around the corners, the car is perfectly safe.. correct me if I'm wrong before it's too late

^ Normal speeds = normal handling. You shouldn't have anything to worry about if you're not ragging it.

a little trick here!

try admiral and elephant (cheapest ive found) go direct and dont use those ****ty compare sites

make yourself the main driver and add another 2 drivers to the policy as named drivers (doesnt matter if they are never going to use the car) add your mum and dad say, all there years of drving and no claims (get someone with brilliant driving history)

since as theses 'good drivers' are added to your policy the insurance see this as less chance of you the young driver driving the car! so your premium decreases!

on my fabia vrs on my own it was working out at £1400 on my own

add my mum as a named driver the premium went down to £1100

then added my step dad as a named driver and the premium then went down to £850

so basically adding two good drivers to my policy decreased my premium by £550!

This is completely legal as you are the main driver!

Just be careful doing this, as insurers are getting more and more strict about rejecting claims, so if they have reason to believe that your named drivers NEVER use the car (different residential addresses on the motor insurance database for example), then they could potentially use this as grounds to void your insurance.

If it were that easy, everyone would have the Pope as a named driver

Plus, I'm not sure how any accidents affect your named drivers' policies if you were to have an accident???

there is no way they know if the named drivers are driving the car or not, simple excuse the named driver visits at the weekend and needs to use the car...

simple

Just make sure you're not making a rod for your own back is all I'm saying - the chances of being found out are pretty small for family members admittedly, but if your insurers have reason to believe that you've not been honest on your application, then they'll void it and you face being busted for driving without valid insurance, and/or having a massive claim against you in case of an accident, and/or being up in front of the beak for fraud with your parents as witnesses. Now that last one's extremely unlikely for a premium of one or two grand, but it's possible in theory, so just be aware that it's a criminal offence to make false statements on an insurance application...

It's up to you what you decide to do, so all I'm saying is that you should be aware of the consequences of your actions whether it be bending the truth on an insurance application, not declaring a modification to your car, driving on bald tyres, whatever. Sorry to sound like a stiff, but insurance is as much a running cost of the car as fuel or servicing, so if you can't afford it, you can't afford the car IMO...

The insurance policy at the moment is very similar to what you describe and for good reason..

We're insured with the NFU. I'm the main driver and my Mother and Father are named drivers on the policy.. (occasionally my dad needs a car to get to a meeting at weekends, whilst mum is using the car for shopping..)

No worries, then!

Ouch.....brings back memories.

G reg Honda CRX - TPFT for £1000 a year.

Ahh the joys of being young.

It does come down as you get older though. Many people tried scaremongering me into thinking it doesn't but it does.

21 was a huge drop for me, as was 25, in addition to the extra no claims. You'll be under the 1k mark in no time.

good god,when i was 18 we all drove old 50 quid bangers,now its fabia vrs,s and type r civics,enjoy but respect it,

21 has seen my price drop £600 lol