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Insurance for young drivers, powerful cars

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  • 24-04-2014 7:42pm
    #1
    NewApproach
    Registered Users Posts: 2,185 ✭✭✭


    Hi,

    What are the best options for insurance for under 30s in powerful cars? I'm 24 and have a 330d insured with Liberty but they say they can't insure me on anything more powerful than that.

    I have my eye on 650i/635d but need to look at the insurance issues first.


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    #2
    Voodoomelon
    Registered Users Posts: 9,662 ✭✭✭Voodoomelon


    Give Kelleher Insurances in Dundalk a call.

    I had the same problem in December with a 4.0l V8 and i'm already 30. They came up with three companies that would take me on.

    Had no problem from 23 years old with a 2.8l from any company.


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    #3
    Idbatterim
    Registered Users Posts: 17,843 ✭✭✭✭Idbatterim


    nononsense and chill wont insure myself a 30 year old with 6 years NCB on a 2.5L 2003 325ci! well at least online they wont. So a 2.5L doesnt meet their underwriting criteria! A 2.5L!!! Do power to weight ratios, the bhp, transmission etc come into their equation?


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    #4
    SniperSight
    Registered Users Posts: 1,295 ✭✭✭SniperSight


    Idbatterim wrote: »
    nononsense and chill wont insure myself a 30 year old with 6 years NCB on a 2.5L 2003 325ci! well at least online they wont. So a 2.5L doesnt meet their underwriting criteria! A 2.5L!!! Do power to weight ratios, the bhp, transmission etc come into their equation?

    Thats odd, I was quoted by Chill online and that's for a 4.2ltr S4 and I'm 28. THEY then called me and improved what was already a decent offer.


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    #5
    ian87
    Closed Accounts Posts: 1,038 ✭✭✭ian87


    Try Brittons in Donegal. I'm 26 in a 530d for under a grand. Well I was until sertanta went bust with 6 months of my policy left to go and already paid in full. Ffs.


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    #6
    jca
    Closed Accounts Posts: 8,585 ✭✭✭jca


    Idbatterim wrote: »
    nononsense and chill wont insure myself a 30 year old with 6 years NCB on a 2.5L 2003 325ci! well at least online they wont. So a 2.5L doesnt meet their underwriting criteria! A 2.5L!!! Do power to weight ratios, the bhp, transmission etc come into their equation?

    Nononsense wouldn't quote me for my 1.4 TSI octavia and I'm 49:eek: a joke of an outfit. They just want the handy numbers. Nonsense is right:mad:


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    #7
    NewApproach
    Registered Users Posts: 2,185 ✭✭✭NewApproach


    ian87 wrote: »
    Try Brittons in Donegal. I'm 26 in a 530d for under a grand. Well I was until sertanta went bust with 6 months of my policy left to go and already paid in full. Ffs.

    I've a better deal than that with Liberty, its just that they won't consider anything more powerful than the 330d. I might give Brittons a call, insurance would be a big consideration for the cars I'm looking at given my age.


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    #8
    Dartz
    Registered Users Posts: 4,369 ✭✭✭Dartz


    Reckon I'm in with a shot with a 1.3 Mazda 4-door at 27?


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    #9
    PirateShampoo
    Registered Users Posts: 4,406 ✭✭✭PirateShampoo


    Dartz wrote: »
    Reckon I'm in with a shot with a 1.3 Mazda 4-door at 27?

    If it's a RX8 your talking about then it's classed as a performance car and is in the system as a 1.7. I got quoted 950 fully comp and I'm 33 with 5yr ncb. Which isn't too bad.


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    #10
    12gauge dave
    Closed Accounts Posts: 2,072 ✭✭✭12gauge dave


    just buy the car and ring them telling them youve just brought a new car and would like to change your insurance over immediately they wont want to but technically have to give you a quote. Its a lottery as too how much your quote will increase when I was 20 I insured a glanza turbo for 1600euro full licence 2 years no claim.
    When 21 ek9 1900euro when 23 evo 3 2300euro all 3rd party fire theft

    **this worked for me when it was quinn 3+years ago not sure if liberty still have same policy


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    #11
    djimi
    Registered Users Posts: 13,238 ✭✭✭✭djimi


    12gauge dave wrote: »
    just buy the car and ring them telling them youve just brought a new car and would like to change your insurance over immediately they wont want to but technically have to give you a quote. Its a lottery as too how much your quote will increase when I was 20 I insured a glanza turbo for 1600euro full licence 2 years no claim.
    When 21 ek9 1900euro when 23 evo 3 2300euro all 3rd party fire theft

    **this worked for me when it was quinn 3+years ago not sure if liberty still have same policy

    Dangerous game unless money is no object to you. I know a few people who got burned by this tactic when they got quotes of several thousand at renewal.


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    #12
    12gauge dave
    Closed Accounts Posts: 2,072 ✭✭✭12gauge dave


    djimi wrote: »
    Dangerous game unless money is no object to you. I know a few people who got burned by this tactic when they got quotes of several thousand at renewal.

    It is a lottery as I said and im not sure how lenient liberty are compared to quinn either so be careful op but its an option if all else fails


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