HELP! Insurance is a nightmare

[Rzla]

Hi everyone.
Sorry to bug you with another insurance quote but it is doing my head in.
I have checked the threads so far for insurers but they are coming up with 2,300 with no mods declared!
And the car is modified so I am having a hard time trying to find a decent quote with mods, which I want to get on the quote.
I was looking to pay just under £2k, i am realistic and was not expecting £1k but £2,300plus is a **** take!
 
Any tips guys on how to bring the insurance quotes down, or any bargaining tricks?
 
I am 22 by the way, live in west london had licence for 3 years, no points etc.
 
Please help the car is coming in January and I need to pay for a stupid piece of paper to let me drive it :reallymad

[fil_auto]

You\'ve tried Sky which are sponsor here now / have a club discount setup? and Adrain Flux?

[Rzla]

You\'ve tried Sky which are sponsor here now / have a club discount setup? and Adrain Flux?

Sky said no because they want someone aged 23.
Adrian Flux? Who said they were good.
They quoted me £4000!!!!!!!!!!!!!!!!

[Kash_]

^ as above Adrian Flux are a rip off !

[Kieron]

I am 22 by the way, live in west london

That\'s why. If you want a high performance car at a young age you got to suck it up and pay out.

Mine was bout £2500ish when I was your age. Bl00dy cheap now though :rollin

[BlitzBoy]

I had to wait till I was 25 to insure anything over 200bhp , as anything younger I couldnt even get insurance let alone a high quote.
I would get your parents to insure it in their name and add you as a second driver, then you will probably get a 1k quote

[Stevey]

Im 22 with a 93 red fd3s with basic mods , With sky insurance and paying 1100 fully comp
 
I dont see why they wont quote you . I got this insurance in November

[gregmacd]

Try A-Plan they worked really hard for me when I had an awkward situation. I am an old fogey though.

[Timmy]

I had to wait till I was 25 to insure anything over 200bhp , as anything younger I couldnt even get insurance let alone a high quote.
I would get your parents to insure it in their name and add you as a second driver, then you will probably get a 1k quote

Thats insurance fronting, basicaly you may aswell have no insurance at all.

[Rzla]

Thats insurance fronting, basicaly you may aswell have no insurance at all.

How? I would have still thought the insurance is valid as you are a second driver?
Are you saying if I am a second driver the insurance will not be valid?
I am only going to drive it on weekends anyway as I am too busy with work during the week.

[Rzla]

Im 22 with a 93 red fd3s with basic mods , With sky insurance and paying 1100 fully comp
 
I dont see why they wont quote you . I got this insurance in November

Don\'t know how you managed it, they said I have to be over 23.

[BlitzBoy]

Thats insurance fronting, basicaly you may aswell have no insurance at all.

Not if his Dad for example actually drives the car.

[Rzla]

Not if his Dad for example actually drives the car.

Oh he will!!!! Lol.
Another option is to put my bro on as the main driver. He drives a rex. In fact he has posted on this thread.
I got a quote from elephant with my bro as the main driver and me as second with basic performance mods and exterior mods declared for £2,000, but would like to try and get less than this if I could.
That means I can spend more money on the car!

[fil_auto]

yeah apologies! I forget my age - 31 now! :2Rolleyes

I have 2 cars insured with A FLux and have been with them many years ( I suppose this all helps ).

I renewed in Nov too..... certainly not a Rip off IMO - they took my insurance quote from Sky and beat it! :Thumbs-up

Anyway - it differs for each individual and unfortunately your age in the major concern here....
it was the same for us when we were that age and as peeps say above, you want a performance car at that age... your gonna have to pay for it... unless your some sort of named driver under your parents policy with limited mileage and all that chat.....

Good luck :Thumbs-up

[Timmy]

The main driver has to be the policy holder ie uses it the most. In the event of an accident they will invaildate your insurance, they use an excuse not to pay up.