Yet another insurance rant !

robbie_998 · 20-02-2012 3:32pm #1

how is that insurance is more expensive on my 1.4 civic than a 1.9TDI 2007 Skoda octavia or slightly cheaper again on a 1.9 JTD Stilo ?

i mean really !

1 year no claim and 1 year older and what not and yet a not so powerful hatch is more expensive than a more powerful saloon !

not a happy bunny

but still love my car nearly a year on and not getting rid of it

Owen · 20-02-2012 3:36pm

Mostly because a few years ago Civics were driven exclusively by morons showboating everywhere they went. Not so much these days, but the stigma's still attached in Insurance industry.

robbie_998 · 20-02-2012 3:40pm

Owen wrote: »

Mostly because a few years ago Civics were driven exclusively by morons showboating everywhere they went. Not so much these days, but the stigma's still attached in Insurance industry.

yeah i remember this from when i was talking about buying one.

i recall it being more expensive for the older civic insurance wise than the new one.

still annoying though.

im half tempted to let my insurance and tax run out and take the car of the road for a year or 2 and pick up a cheap knock about diesel that would be cheaper in a few ways.

Colts · 20-02-2012 3:47pm

This can be really frustrating, my insurance on an Alfa GT 1.9JTDM is more than it would be on a Audi A5 2.7 tdi despite having less power and having a value of about 1/4 of the A5!

challengemaster · 20-02-2012 9:31pm

robbie_998 wrote: »

im half tempted to let my insurance and tax run out and take the car of the road for a year or 2 and pick up a cheap knock about diesel that would be cheaper in a few ways.

And come back to an underpowered (not exactly light on juice?) petrol civic when prices will surely be closer to €2/L, which will probably have even less of a market then.... not the best idea in the world. If you're thinking about changing car, do it properly tbh.

TestTransmission · 20-02-2012 9:33pm

challengemaster wrote: »

And come back to an underpowered not exactly light on juice petrol civic when prices will surely be closer to €2/L, which will probably have even less of a market then.... not the best idea in the world. If you're thinking about changing car, do it properly tbh.

My thoughts exactly,not to mention depreciation, silly idea.
Insurance can't be that bad on the Civic, have you shopped around OP?

veetwin · 20-02-2012 9:43pm

robbie_998 wrote: »

how is that insurance is more expensive on my 1.4 civic than a 1.9TDI 2007 Skoda octavia or slightly cheaper again on a 1.9 JTD Stilo ?

It's probably simple from the ins co point of view. More claims come from Civics than from Octavias therefore Civic drivers pay more. It's probably true as well. I'm guessing that more Civics are crashed/stolen/broken into than Octavias even though the Octavia would be the faster car...also much older demographic driving the Skoda therefore statistically less claims.

robbie_998 · 21-02-2012 12:04am

TestTransmission wrote: »

My thoughts exactly,not to mention depreciation, silly idea.
Insurance can't be that bad on the Civic, have you shopped around OP?

I have.

appearently NCB means nothing cos of my age

so i might only take it off the road for 4/5 months and use it again after my birthday and declare it off the road tax wise and just start it all up again when insurance will be cheaper again when im that extra year older

again the britton crowd im with at the moment are pulling ahead price wise beating everyone else.

TestTransmission · 21-02-2012 12:08am

robbie_998 wrote: »

so i might only take it off the road for 4/5 months and use it again after my birthday and declare it off the road tax wise and just start it all up again when insurance will be cheaper again when im that extra year older

They take it into account when calculating your premium that your age will change in 5 months when it's your birthday you know...

21-02-2012 12:23am

robbie_998 wrote: »

.............

so i might only take it off the road for 4/5 months and use it again after my birthday and declare it off the road tax wise and just start it all up again when insurance will be cheaper again when im that extra year older

...................

Daft theory, waste of time.

bfocusd · 21-02-2012 12:24am

I think the insurance is also lower on higher litre engines because of the running costs and the individuals capability to afford the cost of running a 1.4 civic is very little compared to a say 2.5litre 325I

In a twisted way, they see it that in the economy at the moment if you can afford to run a high powered car you must be somewhat sensible, by having the means to afford it, the majority of lads would have some degree of struggle to cover the day to day costs, let alone the cost of the car, so they get a lower power engine, but as it costs less, the insurance hit them with high rates assuming they can afford it.

It's just a guess I'm throwing out, as im 24 and drive an 05 st, my insurance is 500, my mate drives an 06 m5, her insurance is 700, while a mate of ours drives a 98 1.4l colt and her insurance is 1100...

How they manage to work it out is beyond me, but that's where my guess is coming from.

Henry Ford III · 21-02-2012 12:25am

Cost of parts, frequency of claims and thefts. Chav factor too.

robbie_998 · 21-02-2012 12:38am

TestTransmission wrote: »

They take it into account when calculating your premium that your age will change in 5 months when it's your birthday you know...

oh right.

i think this is gonna be a very sad time so.

my lil baby

being everywhere with her

we have a special bond together

[IMG][/img]

21-02-2012 12:43am

bfocusd wrote: »

I think the insurance is also lower on higher litre engines because of the running costs and the individuals capability to afford the cost of running a 1.4 civic is very little compared to a say 2.5litre 325I ....................

It's just a guess I'm throwing out, as im 24 and drive an 05 st, my insurance is 500, my mate drives an 06 m5, her insurance is 700, while a mate of ours drives a 98 1.4l colt and her insurance is 1100...

How they manage to work it out is beyond me, but that's where my guess is coming from.

Sounds like another daft theory to me, an ST170 you have is it?

TestTransmission · 21-02-2012 1:07am

robbie_998 wrote: »

oh right.

i think this is gonna be a very sad time so.

my lil baby

being everywhere with her

we have a special bond together

Have you been drinking or smoking some funny stuff or something?

What's the cheapest insurance quote you can get and what's your NCB and age.

robbie_998 · 21-02-2012 1:11am

TestTransmission wrote: »

Have you been drinking or smoking some funny stuff or something?

What's the cheapest insurance quote you can get and what's your NCB and age.

€1700 1 years NCB

20years old.

no no, no funny stuff... just gonna be sad to see my baby go

highly considering a Kia Sedona to be honest.

insurance still cheaper than my car for the 2.9 model.

pass it out as as taxi, €80 a year road tax and cheap private insurance ! :pac:

Jimdagym · 21-02-2012 1:13am

How much was your insurance last year? You must have had some idea of the running costs. Seems a bit daft to be dumping it now.

Alanstrainor · 21-02-2012 1:14am

robbie_998 wrote: »

€1700 1 years NCB

20years old.

no no, no funny stuff... just gonna be sad to see my baby go

highly considering a Kia Sedona to be honest.

insurance still cheaper than my car for the 2.9 model.

pass it out as as taxi, €80 a year road tax and cheap private insurance ! :pac:

That's a crazy price!

Where'd you get that quote?

Tbh, 1 year NCB was never going to make a massive difference tbh.

challengemaster · 21-02-2012 1:14am

As a comparison, I've 3 years NCB and 20, and it's 1100 TPFT on a 05 320cd.

I just reckon it's the lack of NCB letting you down here, mind you, with 1 year NCB and 18 my quote on a punto was 1600 so..

bfocusd · 21-02-2012 1:15am

RoverJames wrote: »

Sounds like another daft theory to me, an ST170 you have is it?

http://www.evo.co.uk/front_website/gallery.php?o=0&id=22351

really gotta get it clean and get some pics, not got the weather for it at the moment, but its identical to the one on the link above..

edit: in regards to ncb, ive 6 years, my mate has 8 and the one who drives the colt only has 2 so maybe thats another explination for it too..

robbie_998 · 21-02-2012 1:20am

Alanstrainor wrote: »

That's a crazy price!

Where'd you get that quote?

Tbh, 1 year NCB was never going to make a massive difference tbh.

the age is letting me down big time.

my first quote was €2100 for my first year driving.

challengemaster wrote: »

As a comparison, I've 3 years NCB and 20, and it's 1100 TPFT on a 05 320cd.

I just reckon it's the lack of NCB letting you down here, mind you, with 1 year NCB and 18 my quote on a punto was 1600 so..

i reckon the diesel has an impact on that too ?

like i said in the OP its cheaper for a 1.9 TDI octavia or even now a 2.9 Turbo diesel sedona !

Jimdagym wrote: »

How much was your insurance last year? You must have had some idea of the running costs. Seems a bit daft to be dumping it now.

insurance last year 2100

i got over 700 KMS from a full tank of petrol everytime in my car.

but petrol VS diesel on price and lasting. diesel has it going for it.

Jimdagym · 21-02-2012 1:23am

Insurance dropping 20% in a year seems fair enough to me. How much were you expecting it to be?

TestTransmission · 21-02-2012 1:26am

Live within your means fella, would of been better for you to gain some NCB on a ****box first.

robbie_998 · 21-02-2012 1:26am

Jimdagym wrote: »

Insurance dropping 20% in a year seems fair enough to me. How much were you expecting it to be?

i didnt want to bring it up again but if i changed my gender to female.........................................

but yeah no its just a 300odd euro drop so it doesnt seem to big there ... will only be about 20 less a month.

and the fact a diesel is cheaper even with an engine more than double the size and a turbo !

challengemaster · 21-02-2012 1:26am

robbie_998 wrote: »

i reckon the diesel has an impact on that too ?

like i said in the OP its cheaper for a 1.9 TDI octavia or even now a 2.9 Turbo diesel sedona !

Probably because there's less claims against them...

TestTransmission · 21-02-2012 1:33am

If it makes ya feel any better my insurance has been going up steadily for the past 3/4 years.

21-02-2012 1:50am

bfocusd wrote: »

http://www.evo.co.uk/front_website/gallery.php?o=0&id=22351

really gotta get it clean and get some pics, not got the weather for it at the moment, but its identical to the one on the link above..

edit: in regards to ncb, ive 6 years, my mate has 8 and the one who drives the colt only has 2 so maybe thats another explination for it too..

As you now mention, it's the NCB

You'd think they'd be charging more to insure a lhd :pac:

21-02-2012 1:54am

Alanstrainor wrote: »

That's a crazy price!........

Seems ok to me really.

coco_lola · 21-02-2012 2:05am

I'll never get insurance quotes. Around €650 for a 1.4 petrol 03 Corolla, and around €980 for a 1.3 petrol 03 Fiesta. I'm a 22 year old female with 2 years NCB. It makes no sense that the Corolla quote was lower!

puppetmaster · 21-02-2012 2:26am

coco_lola wrote: »

I'll never get insurance quotes. Around €650 for a 1.4 petrol 03 Corolla, and around €980 for a 1.3 petrol 03 Fiesta. I'm a 22 year old female with 2 years NCB. It makes no sense that the Corolla quote was lower!

Has to be all about the level of claims against that particular car, whether in total or just in relation to how many of them are insured as in % claimed per insured.

Its 20% cheaper for me to get insured on a Lotus elise 111R than it is on a 1.6 laguna... :rolleyes:

cplwhisper · 21-02-2012 10:46am

All cars are listed in Groups 1-50 scale

Group of car is beased on loads of factorsto name a few

- Theft, Fire, & crash frequency
- power to weight ratio
- Boy-racer modification factor
- Cost of repair, labour rates, import parts more etc....

the spec of car also factor - i model cheaper than Vti etc but ya gotta declare exact car - ie - may have been origonally an "i" but you modifiy and kit out, lower etc..

Otis Driftwood · 21-02-2012 12:09pm

cplwhisper wrote: »

All cars are listed in Groups 1-50 scale

Not true.

Some insurers like FBD have cars groups of 1 to 6.

The groupings also changed for some cars based on driver profile.

For example,what is rated as a group 6 for a 25 year old could be rated as a group 4/5 for a 32 year old.

EPM · 21-02-2012 12:29pm

robbie_998 wrote: »

i didnt want to bring it up again but if i changed my gender to female.........................................

but yeah no its just a 300odd euro drop so it doesnt seem to big there ... will only be about 20 less a month.

and the fact a diesel is cheaper even with an engine more than double the size and a turbo !

Robbie, you really need a reality check here buddy. Put a little more thought into your rants. You do not need to bring sex into this (remember what happened last time).

The idea of changing your car and losing a packet on depreciation is completely ridiculous. You knew what the insurance was going to be like I would assume before buying a civic. It's an underpowered small hatch, but it no doubt is going to have a massive loading because of your age, experience and the badge on the bootlid.

robbie_998 · 21-02-2012 12:37pm

EPM wrote: »

Robbie, you really need a reality check here buddy. Put a little more thought into your rants. You do not need to bring sex into this (remember what happened last time).

The idea of changing your car and losing a packet on depreciation is completely ridiculous. You knew what the insurance was going to be like I would assume before buying a civic. It's an underpowered small hatch, but it no doubt is going to have a massive loading because of your age, experience and the badge on the bootlid.

okey doke.

at the same time i have to look which would last better and get better econemy on motorway runs. Diesel would be a clear shooter for this no ?

i mean im just ranting that i can get a 2.9 Turbo diesel and have cheaper insurance than a 1.4 petrol civic.

so it would probably be something i have to do in the future anyway of getting a bigger engine diesel car for better econamy etc.

I mean i love my lil civic and i never thought i'd get rid of her but its all about money really with fuel prices etc.

a bigger diesel would come in handy too if i ever wanted to throw it out as a taxi too in a few years (now i dont expect insurance to be cheap here in the slightest)

makes more sense maybe ?

EPM · 21-02-2012 12:48pm

Do you know how much the Tax is on the Kia for the year? It will make up the difference in the insurance easily. You are also going to lose value on your own car.

You mentioned you were getting fantastic MPG overall from your civic - was it 50-odd combined? You wont get that from a big diesel - hell I can only barely get 42 from mine combined. You will get very little more from a 1.9tdi Octavia than what you are getting from the Civic.

You need to sit down and do some sums. Your thinking is very flawed on this one.

robbie_998 · 21-02-2012 1:07pm

EPM wrote: »

Do you know how much the Tax is on the Kia for the year? It will make up the difference in the insurance easily. You are also going to lose value on your own car.

You mentioned you were getting fantastic MPG overall from your civic - was it 50-odd combined? You wont get that from a big diesel - hell I can only barely get 42 from mine combined. You will get very little more from a 1.9tdi Octavia than what you are getting from the Civic.

You need to sit down and do some sums. Your thinking is very flawed on this one.

at the moment my civic is on 46.8mpg.
i just want to take into account of 1.60.9 a litre !

i get that because i do sensible driving, i feel how hard i press the pedal etc. but on the motorway coming from dun laoire going up northband up that hill my car slows down even with foot flat down.

so i want to use the theory that a small petrol engine needs more petrol to get it going, like the peugeot 206 1.1 against a 1.9 tdi not struggling and not needing much power at all to keep it at speed.

Save a few hundred on insurance and diesel being cheaper too. In the long run maybe better value to do it ?

for my commute to work etc. i use €30 a week of petrol.

EPM · 21-02-2012 1:09pm

You might save a fiver a week on fuel but only with the 1.9tdi.

Alanstrainor · 21-02-2012 1:12pm

Seriously man you're getting great mpg. Getting a high miler tdi doesn't make any sense to me tbh.

robbie_998 · 21-02-2012 1:15pm

EPM wrote: »

You might save a fiver a week on fuel but only with the 1.9tdi.

but i'd also save a few hundred a year on insurance too.

then in the future if i wanted to push it out as a taxi that could be done too rahter than buy another car again ?

I just put it down that my civic is putting me €30 a week and 175 a month

so grand total a month for my car is €295. tax a year €330

so if i went with an octavia just for example then that a month would drop and the little savings will all add up.

EPM · 21-02-2012 1:21pm

Extra motor tax.

Less reliable car.

The cost to change the civic - you are ignoring this but you are going to lose money.

If you want to change your car, then that's fine and best of luck with it. But if you're changing to save money I can't see that happening too easily.

IrishZeus · 21-02-2012 1:24pm

Tax on a 2.9l engine will probably be at €1000 more than what you're paying at the moment.

€5/week saving on fuel = €260/year.

So minimum you need to save on insurance would be €740.

Then you factor in increased depreciation, cost to change, maintenance etc. Can't see you saving money on this one!

robbie_998 · 21-02-2012 1:25pm

EPM wrote: »

Extra motor tax.

Less reliable car.

The cost to change the civic - you are ignoring this but you are going to lose money.

If you want to change your car, then that's fine and best of luck with it. But if you're changing to save money I can't see that happening too easily.

The cost to change the civic. i know that i am going to lose a bit with depreciation and all that, but that was going to happen anyway, i lost money on that the minuete the log book was sent away so i dont mind too much losing a bit on that.

reliability - i was only using the octavia as an example, not to say i will or wont get one but ofcourse there'll be a good bit of shopping around and comparing and quotes etc.

i dont expect to see a load a money in my bank account just by doing this but there will be savings made over the space of a few months and i'd notice that extra €30 in my pocket etc.

dont worry, im not ignoring what you guys are saying.

robbie_998 · 21-02-2012 1:27pm

IrishZeus wrote: »

Tax on a 2.9l engine will probably be at €1000 more than what you're paying at the moment.

€5/week saving on fuel = €260/year.

So minimum you need to save on insurance would be €740.

Then you factor in increased depreciation, cost to change, maintenance etc. Can't see you saving money on this one!

i did only use the sedona as a laugh on the insurance site but funny enough you can pick up a good sedona for €2K

but i know massive tax on that.

insurance on that as apposed to my civic is €300 cheaper

Yet another insurance rant !

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