1.6 + Not insurable under age 25???

AB03

Hello...


A friend of mine tried to get a quote for a 2 litre civic type R recently and was told that no insurance company in ireland will insure a 21 year old driver with a full licence on anything larger than a 1.6??!

Surely this cant be correct, that a driver under 25, WITH a full licence cant drive ANY car bigger than a 1.6???

Apparently an older model 1.6 litre type r was fine, but anything bigger engine wise wasnt ok???

So by that logic, he COULD get insured on a 1.6 type R but not on a 2.0 primera or similar??

What kind of madness is this, and is it even true???

bp_me

All I'll say is shop around. AXA today informed me they wouldnt quote me on anything over group 6 (apparently my car is group 11) until I was 30 with 5 years no claims. Yet other companies had no problem giving quite competitive (for the Irish market anyway) quotes.

kippy

AB03,
I concur with the second poster.
Shop around
However I do know that its a lot more expensive getting insured in a higher CC car.....and there are companies that wonder why someone would need a car over 1.6 litre, especially if they have no real need for it.

AB03

Craziness. I suppose all my studying of the car insurance groups on parkers was f**king useless so!

Funxy

Sounds dodgy to me. Ever since i was 17 and on a provisional ive been insured on a 1.8 . And when i was 23 i was insured on a 3.7 . Theres always ways

Santa Claus

Insurance companies loathe the words "male" "under 25" & "civic" as young lads and high powered cars generally add up to speed !

TheBazman

Did you try St. Pauls ( I am insured with them though Glennons brokers in Dublin) They were the only ones that would quote me on a 3.5ltr 350Z when I was 28. As far as I know they will quote on anything

Stephen

Nobody will quote me on anything larger than a 1.6 either. I'm 23 with a full licence and 2 years ncb.

Funxy: insured under a parents name? Garage insurance? Some other annoying loophole?

maidhc

I am 23 also, with a full NCB. I'm insured in a 1.8 Focus Diesel (115bhp, so it isnt a plodder), and there was no problem about it at all.

Töpher

22, named on a 1.8 for 2 years (with provisional for some of it). Looking to get car, but can't get quotes for anything over 1.6 - sure I couldn't affford much bigger anyways!

AB03

AB03 wrote:

So by that logic, he COULD get insured on a 1.6 type R but not on a 2.0 primera or similar??

The issue isn't the 2.0 engine. Its the fact its type R.

Which is more likely to be robbed, crashed and wrapped around a lightpost than your typical Golf.

Carb

I thought the insurance companies had moved away from using age when deciding whether to give a quote or not, or are people going to have to start bringing them to court again. They could probably use a provisional licence or not having 5 years NCB as a reason in some cases. But if they would insure a 30 year old with a full licence and NCB, they have to quote a 22 year old with a full licence and NCB. "Quote" been the important word, because if they don't want to insure you they'll probably give some ridiculous figure.

OP - I doubt vey much that its true (The 1.6 part). For a start, how would they know what every other company is wiling to insure. And secondly, I'm sure there are many people of this age driving 1.9 diesels.

road_high

I'm insured on my 1.9 diesel in my own name(22yr old); I had no prob gettin quotes so I'd say its more to do with type of car.

Kimbot

I got a quote on an Integra Type R, I'm 23 with 2 years NCB on a provisional!!
They have to quote you either way but a lot of companys are not insuring vtecs anymore!!

Tony Danza

On the plus side of things if he can't get a quote maybe he won't buy a scumbag car?

Funxy

No more about me being insured under my own name since i started driving at 17, plus im a girl and their alot more lenient when it comes to that. Its handy to have 8 years ncb tho

layke

Britton Insurance quoted me and I was 23 at the time.

The insurance company will say that, but as I have learned from dealings with quinn. They are liars that will bend you over and make you grab your ankles while ripping you off. Just get quotes elsewhere, go back and rub it in their face I did and they knocked 1k off my 2nd year insurance and upgraded it to fully comp.

Also to note a mate of mine is 23 with a full license, advanced driving test and is insured on a 2L turbo Evo V. His policy costs 2k fully comp.

the deals are there, you just gotta find em

cargrouch

Yeah, I ran into that prob, had to leave a bargain 1.8 go because of it.

Quinn would not insure me under 25 with full licence + 1-an-a-bit years NCB (with them!)

Hibernian would quote me (1.8 Laguna - not boy racer material really is it) and their quote was not much more than the quinn quote for the 1.4 I was driving at the time.

In the end I thought it was not worth cancelling insurance halfway through a year just to drive a Laguna! But Quinn won't get anymore business from me going on the diff between the two quotes!

I can agree with nothing more than 1.6 for a provisional, but someone with a full licence should be able to go to 2L until they get 2-3yrs ncb, and anything they afford to insure after that!

layke

I would like to point out that no one can beat quinn on prices. BUT their policy sucks and from my experience with mates having accidents they are simply not worth it.

maidhc

layke wrote:

I would like to point out that no one can beat quinn on prices.

They were more expensive than HiB when I got a quote!

mik_da_man

layke wrote:

I would like to point out that no one can beat quinn on prices. BUT their policy sucks and from my experience with mates having accidents they are simply not worth it.

Defo not true!!!

I have an Astra 1.2 (for sale:D ) and they (quinn) were looking for €1200 for 3rd Pty.
I went to AXA and got it for €800 Fully comp!
I was 24 with 1 yr NCB and Prov Licence

Lesson Learned: SHOP AROUND

Kimbot

layke wrote:

I would like to point out that no one can beat quinn on prices. BUT their policy sucks and from my experience with mates having accidents they are simply not worth it.

Hmmm me thinks you may be wrong there mate!!

23 with a provisional and 2 year NCB:

3rd Year Insurance Quote:

Quinn €1700 3rd party F&T (1.4 Corolla)
Allainz €1550 Fully Comp (1.4 Corolla) allowed drive any other car as long as it ain't in my name, also have NCB protection the works!!

babybundy

axa suck i went to them with a 1.2 corsa prov licence age 19 and they wanted 3600 and only after they put the tracker in
where as girl 19 prov licence 1.1 punto (which is a faster car) 1200 with no tracker talk about sexual descrimation and i had nearly 4 years ncb on a bike

bazz26

Everyone's insurance quote is different even if two peoplw of the same age with the same NCB tring to insure the same type car. There are alot of factors to be taken into consideration that can make a big difference, ie. your location. One insurance company can be cheap for one individual and very expensive for another.

Car insurance quotes unfortunately are an enigma in this country.

ninty9er

Most insurance companies don't quote on just engine size anymore, Civic's in particular are uninsurable even if they had a Fiat Seicento engine in them.

Most of the TypeRs here are Jap imports too and insurance companies don't like insuring them, Most will ask if the car is an import on a proposal form

Just get a nicer car, 3dr corolla, golf, focus.

I'm in UL and see plenty oif Young male students driving 3 series coupe's 318s 325s

It's not age and engine size they evaluate on

It's experience, licence, ncb, the car, power of the car, gender.

car's are speed limited now anyway it's not as if 1.6 to 1.8 is going to massively increase the speed you can travel at

babybundy

i've a kia rio ex 1.4 dohc now and its the best car i ever drove left a corolla 1.4 vvti for dust kinda out ran the cops once 200kph and got of the road asap so it shows size aint everything and they are cheaper

JohnCleary

I'm insured on a 1.8 with Quinn. However, it used to be a 1.4 but I did an engine transplant. I guess they couldnt exactly say 'Sorry we're going to cancel your policy' ... I had all the paperwork needed

Kimbot

babybundy wrote:

i've a kia rio ex 1.4 dohc now and its the best car i ever drove left a corolla 1.4 vvti for dust kinda out ran the cops once 200kph and got of the road asap so it shows size aint everything and they are cheaper

Hmmmm...... I wonder how true your statement really is!!

djeclips

I'm with hibernian at the mo,22 2 year ncb on an Mg Zs (1.8) 2k fully comp.Going up to a 2.5 Zs next month when i'm 23 and 3 years ncb €2200 fully comp

babybundy

jonny24ie wrote:

Hmmmm...... I wonder how true your statement really is!!

very true majority of cop cars only do 140mph
the only thing is i wont be doing it again in that car cause it is to light 1200kgs scary
watergrasshill by-pass cork

JohnCleary

djeclips wrote:

I'm with hibernian at the mo,22 2 year ncb on an Mg Zs (1.8) 2k fully comp.Going up to a 2.5 Zs next month when i'm 23 and 3 years ncb €2200 fully comp

Go to England to get the ZS 180 you'll save a packet. The MG's are way overpriced in Ireland, you can get them for peanuts (even after VRT) in the UK

Kimbot

babybundy wrote:

very true majority of cop cars only do 140mph
the only thing is i wont be doing it again in that car cause it is to light 1200kgs scary
watergrasshill by-pass cork

Well I'm also refering to the quote of leaving the Corolla for dust!!

The Kia Rio Stats:
Max. output 97.3 PS (96.0 bhp)
Max. torque 125.0 Nm (92 lbft)

I own a Toyota Corolla 1.4 VVTI and have had it on a Rolling Road:
My readout is:

102.7BHP
105lbft Torque!!

That 6.7BHP More and 13lbft Torque more than yours!! And you say you left it for dust??

I also wouldn't condone "outrunning" the Gardai at 200kph, you shouldn't be on the roads!!

Guy:Incognito

Iv'e had no problem getting insured on bigger cars. Had 3 2ltr cars in the year after I turned 24. Quinn have given me the best quote (€880) for the 2.5 safrane so I went with that. I'm 25 now with 3 years ncb.

babybundy

3.30 in the morning we tried it but you forgot one thing with the stats weight the corolla is heavier i'm only speaking from experence with it and as i said i wont be doing it again but you should take one for a test drive just to try it

Guy:Incognito

babybundy wrote:

i've a kia rio ex 1.4 dohc now and its the best car i ever drove left a corolla 1.4 vvti for dust kinda out ran the cops once 200kph and got of the road asap so it shows size aint everything and they are cheaper

I assume that was downhill and they were driving a punto or something. Kia reckon the car will do 110 max.

smash

AB03 wrote:

Hello...


A friend of mine tried to get a quote for a 2 litre civic type R recently and was told that no insurance company in ireland will insure a 21 year old driver with a full licence on anything larger than a 1.6??!

Surely this cant be correct, that a driver under 25, WITH a full licence cant drive ANY car bigger than a 1.6???

Apparently an older model 1.6 litre type r was fine, but anything bigger engine wise wasnt ok???

So by that logic, he COULD get insured on a 1.6 type R but not on a 2.0 primera or similar??

What kind of madness is this, and is it even true???

Is he mad? at 21 insurance will be more than the car is worth, with or without a full license. Quinn wont insure anyone under 25 on anything over 120bhp either. Get a normal car, wait a few years and then get a high power motor. At 24 my insurance on Celica 190 was gonna be over 5k - now at 25 I bought one and insurance is only 1,200.

Kimbot

babybundy wrote:

3.30 in the morning we tried it but you forgot one thing with the stats weight the corolla is heavier i'm only speaking from experence with it and as i said i wont be doing it again but you should take one for a test drive just to try it

Well you say the Rio is 1200kg??
The Corolla is 1180 Kg!!
Not much of a difference!!

And as Ste points out above, KIA reckon a topspeed of 110mph Max!!
Corolla Can reach 135mph no problem!!

babybundy

i'm not sure i think it was focas or vectra dunno all i seen was yellow go faster strips there was an intigra be hind me so if hes on this site he might speak up and ya it was down hill and up again

maidhc

babybundy wrote:

ya it was down hill and up again

You are taking the piss. Uphill from sea level in Dunkettle to watergrasshill is like going to base camp on Everest. A 1.4 would die if in anything other than third.

babybundy

maidhc wrote:

You are taking the piss. Uphill from sea level in Dunkettle to watergrasshill is like going to base camp on Everest. A 1.4 would die if in anything other than third.

no the other direction they were on the on ramp at watergrasshill and i got of at glanmire

Kimbot

Evan at that there is no way you could outrun the garda!! They would have caught you if they were in a Zetec focus (which most their marked cars are) or a vectra!!

Both the above cars would struggle to do 140MPH which would be 225km, and your saying that a Rio with 20 odd less BHP and a lot less Torque than them outran them???

Even if you are right your 200kmph is 124MPH which the car is not capable of!! So the gardai would have caught you!! ANd at speeds or more than 100mph yes they would have followed and made sure they got you!!

maidhc

babybundy wrote:

no the other direction they were on the on ramp at watergrasshill and i got of at glanmire

OK, that is level, enough. Possibly the glanmire gardai with their 1.6 Avensis.

Kimbot

maidhc wrote:

OK, that is level, enough. Possibly the glanmire gardai with their 1.6 Avensis.

The 1.6 avensis still would have caught up to them!!! If you go over speeds of 100mph your lisence is suppose to be taken off you!! The above poster should not be allowed on the roads if that is what they are doing!! THat is how people end up dead!!!

babybundy

just because a company says it should only do a certin speed doesn't mean the car will only do that i've seen cars and bikes exceed the speed which companies say the vehicle max out at

babybundy

maidhc wrote:

OK, that is level, enough. Possibly the glanmire gardai with their 1.6 Avensis.

there all cobh gardai watergrasshill , glanmire and carrigtwoill

Kimbot

babybundy wrote:

just because a company says it should only do a certin speed doesn't mean the car will only do that i've seen cars and bikes exceed the speed which companies say the vehicle max out at

Even if it does exceed it max designated speed it is not done so easily!! Most likey the cars and bikes you are talking about are performance vehicles, which means they can be modified to get more power!! A 1.4 engine can't be!! Even at that you have to go and prove apoint by racing around the roads to prove a company wrong about their cars top speed??

babybundy

jonny24ie wrote:

Even if it does exceed it max designated speed it is not done so easily!! Most likey the cars and bikes you are talking about are performance vehicles, which means they can be modified to get more power!! A 1.4 engine can't be!! Even at that you have to go and prove apoint by racing around the roads to prove a company wrong about their cars top speed??

no not to prove a point it was a once off thing i wont be trying it again i've only got higher than the recomended speed once while i was driving before and it was under escort from the gardai

Kimbot

babybundy wrote:

no not to prove a point it was a once off thing i wont be trying it again i've only got higher than the recomended speed once while i was driving before and it was under escort from the gardai

Hmmmm.... under escort from the gardai?? Yet you claimed that you Outran them??? SO that would mean 2 counts of going over the 110MPH mark, and aswell as that why would the gardai allow you speed??

GreeBo

Maybe they were hoping he would crash so we would have one less cretin on the roads?
Idiot.:cool:

smash

GreeBo wrote:

Maybe they were hoping he would crash so we would have one less cretin on the roads?
Idiot.:cool:

Well that's what I would hope

babybundy

bike run actually and was only a 125