High performance car insurance

ldusoswa

Can't believe insurance companies are refusing to quote me...

I currently drive a '99 1.4 astra and want to upgrade to a '04 integra type r. Haven't even been quoted successfully yet. i have my license about 4 years, with no claims... 3 years as a named driver and half a year on my own... I am 23 so i know that plays a factor.

I don't want to get into a debate about the ethics of insurance companies...

I just want to know:

Anyone else drive an impreza, integra, 200sx, silvia, skyline, etc?
how much do you guys pay for insurance and who are you with?

guys

armour87

Have you tried Quinn? They'll take on anyone.

guil

i'll second that i'm with quinn since i start drivin at 18 i'm 22 now and when i was 20 i got a wrx impreza and the insurance was only 2800 i had my full licence but 7 penalty points aswell, i found it cheap compared to friends payin 3500 for insurance on a 1.4/6 car and i paid 3800 when i first start driving

Atomic Pineapple

i'm 24 , full licence 4 years, 3 years ncb and i'm paying 1300 fully comp on a 99 dc2 integra type r

the problem is you have no claims bonus under your own name, without atleast 2 years ncb you haven't a hope, quinn have stopped insuring performance cars unless your over 30 as have most other companies, you have to ask to talk to a manager and they will quote you but with no ncb expect it to be >5k

guil

^^^
thats not true if ur with quinn and buy a car they have to insure ya, i couldnt get a quote until i showed them the proof of ownership and he has 3 years as a named driver, quinn give a discount for that, they will insure ya as long as ya have a full licence, i know a lad who's 18 and has a type r civic with quinn in his own name and it's properly insured

Atomic Pineapple

guil07 wrote: »

^^^
thats not true if ur with quinn and buy a car they have to insure ya, i couldnt get a quote until i showed them the proof of ownership and he has 3 years as a named driver, quinn give a discount for that, they will insure ya as long as ya have a full licence, i know a lad who's 18 and has a type r civic with quinn in his own name and it's properly insured

i have 4 years named discount recognised by quinn but its not even worth one year under my own name.

quinn dont have to insure you if your with them and you buy a new car and show proof of ownership, its just that they do if they dont want to lose your custom, theres no law saying they have to insure you.

the only legal way to go about it is to ask for a quote from quinn first, get refused, go to 3 other companies, get refused, keep proof of the refusals go back to quinn with the proof and then the legally have to quote you.

i'm not saying it cant be done just that you have to be prepared to hassle and fight your way through nonsense and even then it might not be cheap

ldusoswa

Yeah, funny story:

I'm with quinn on my own name since december payin only 660 quid for my astra 1.4 16v. Now, i rang quinn this morning saying that i was about to buy a 04 integra type R and they refused to quote me seeing as i didn't own the car. but they COULD quote me if i owned the feckin thing... That's nonsense because they should give me a quote... Especially seeing as i'm in talks with the owner of the car to buy it...

If i legally HAVE TO be insured, then any insurance company should HAVE TO quote me...

Atomic Pineapple

ldusoswa wrote: »

Yeah, funny story:

I'm with quinn on my own name since december payin only 660 quid for my astra 1.4 16v. Now, i rang quinn this morning saying that i was about to buy a 04 integra type R and they refused to quote me seeing as i didn't own the car. but they COULD quote me if i owned the feckin thing... That's nonsense because they should give me a quote... Especially seeing as i'm in talks with the owner of the car to buy it...

If i legally HAVE TO be insured, then any insurance company should HAVE TO quote me...

insurance is a risk based calculation, if the risk is too big insuring it doesn't make sense, i agree the system here is a joke, we should have something like in australia where you can get basic insurance through the goverment and then go to an insurance company if you want better cover.

if you want to get a quote before you buy the car then, do the refusal method i mentioned above and when contacting quinn mention that you have been in contact with the IIF or else just buy the car and hope the quote they give you is reasonable, just be aware they are not obliged by law to quote you simply because you bought the car

colly10

guil07 wrote: »

^^^
thats not true if ur with quinn and buy a car they have to insure ya, i couldnt get a quote until i showed them the proof of ownership and he has 3 years as a named driver, quinn give a discount for that, they will insure ya as long as ya have a full licence, i know a lad who's 18 and has a type r civic with quinn in his own name and it's properly insured

They don't have to but they usually will insure you. When it comes round to your renewal though they may refuse to insure you.

@the OP - You have 0 years NCB in your own name, thats whats killing ye. Try XS direct, they'll give ye a good quote. Keep in mind though that if ye put the car into a wall then your pretty much screwed with them, same as third party (without fire and theft) when ye think about it.

draffodx wrote: »

do the refusal method i mentioned above

They will offer you something stuipid like 8k (im not exadurating) if you do this

guil

i'd bet they insure u for about 1300-1600

colly10

ldusoswa wrote: »

If i legally HAVE TO be insured, then any insurance company should HAVE TO quote me...

Not really because you don't have to drive an ITR, like if I was 18 and bought a Ferrari its reasonable that insurance companies would tell me where to go, it would be my own fault for buying the car

Atomic Pineapple

guil07 wrote: »

i'd bet they insure u for about 1300-1600

A 23 year old, full licence, 3 years named bonus, 0 NCB

On a black marked 220bhp K20 Integra Type R valued at around 20k I'd say probably more, its also goin to be an import

I'd say 3k minimum for a full years insurance


@colly10, yes if they still dont want to insure you then they will offer a ridicolous quote but mine suprised me as it was very reasonable

ldusoswa

OMG i just got off the phone with Quinn...

They'll insure me for only €339 extra until march 09 on a 04 integra type r valued at 20k....

Problem is, the quote is only valid for today, and he said that if i don't buy it today they will simply refuse to insure me on it in future... :eek:

That's awful... they're putting too much pressure on me...

colly10

draffodx wrote: »

I'd say 3k minimum for a full years insurance

He'll be doing very well if he gets it for that, im 25 and the cheapest quote i was offered on my own car was 7.5k (excluding XS direct)

guil

like i said in my first post i was 20 granted i had 2 years no claims but i had 7 penalty points that they knew about, insured on a 250bhp impreza which was also an import, i got a quote for a mitsi fq340 worth 33k for 3700 off quinn when i had the scooby

guil

colly10 wrote: »

He'll be doing very well if he gets it for that, im 25 and the cheapest quote i was offered on my own car was 7.5k (excluding XS direct)

what do ya drive

colly10

guil07 wrote: »

what do ya drive

An RX7, i doubt that there'd be much difference in cost between that an a type R. Things seem to have worked out well for the OP though, @OP if ye like the car ye were looking at ye may as well buy it today.

guil

they are alot rarer than teg type r, i'd say ur premium is high cos of that

Atomic Pineapple

guil07 wrote: »

they are alot rarer than teg type r, i'd say ur premium is high cos of that

if a car is more popular then it is likely to be more expensive to insure as it will have more recorded crashes, integra insurance is so high because of this, an rx7 is probably expensive to insurance because there more powerfull and capable of huge gains with upgrades

ldusoswa wrote: »

OMG i just got off the phone with Quinn...

They'll insure me for only €339 extra until march 09 on a 04 integra type r valued at 20k....

Problem is, the quote is only valid for today, and he said that if i don't buy it today they will simply refuse to insure me on it in future... :eek:

That's awful... they're putting too much pressure on me...

any quote they give you has to be valid for atleast ten days(i think), contact the iff and inform themthat quinn has given you just one day to sort things out and they will offer you advice.

http://www.iif.ie/

guil

afaik they only offer some policies on the day ya ring so dunno how legal it is

BobTheBeat

Quinn arent all they are cracked up to be. When I bought my ep3 type r they pointblank refused to quote me (2 years ago, was 24 with 3 years NCB, full license).

The only company to quote me was Hibernian (because as they said, 'I was an existing customer'). And even at that, I could only get tpf&t. 2 years later, Im paying 1k tpf&t with Hibernian.

Atomic Pineapple

bobmeaney wrote: »

Quinn arent all they are cracked up to be. When I bought my ep3 type r they pointblank refused to quote me (2 years ago, was 24 with 3 years NCB, full license).

The only company to quote me was Hibernian (because as they said, 'I was an existing customer'). And even at that, I could only get tpf&t. 2 years later, Im paying 1k tpf&t with Hibernian.

that sounds a bit excessive, hibernian wouldn't quote me because i wasn't an existing customer but quinn eventually quoted me 1300 for the year on the dc2 fully comp, i'm 24, 3 years ncb, full licence 4 years

guil

bobmeaney wrote: »

Quinn arent all they are cracked up to be. When I bought my ep3 type r they pointblank refused to quote me (2 years ago, was 24 with 3 years NCB, full license).

The only company to quote me was Hibernian (because as they said, 'I was an existing customer'). And even at that, I could only get tpf&t. 2 years later, Im paying 1k tpf&t with Hibernian.

thats mad a friend is 26 payin 900 f/c with quin on a sti impreza

ldusoswa

Cheers for all the replies guys...

must sort out the money... But first i must have a bit of a reality check, so i'm gonna go talk to my dad... I think i'm a little bit mad to be doing this...

But i'm getting the car at a great price so i dunno...

guil

if ya really want it get it, i doubt quinn will put up ur premium at renewal, when i got the scooby it was the end of april and policy wasnt up till march and it went down 1000 at the renewal

fallon54

Although not high performance, Quinn insured me on a 2000 celica 190BHP for €2700 euro 3rd part, being 17 at the time didnt help.. Although they wont insure my mate on an audi TT quattro, same age he's now going down the refusal letter road with the IFF.

CPG

I drive a Volvo 850 T5, insured with Quinn approx €500, includes windscreen cover.

ando

Are you guys ringing the companies up directly? Why not try a broker like AA or someone. I went through AA and am payin 900 on a 1.8 turbo, happy enough with that

evo2er

Got a renewal quote today for 6,950 from Hibernian as a named driver for a 94 Evo II. Iv 6 points but no claims and full licence and have the been insured with them for the last year. It was only 1,800 for it last year and that was with a provisional. I actually taught they made a mistake with the quote, but to my amasement and shock it was right.

ldusoswa

Oh man that's awful... damn.... Try Quinn man...

Atomic Pineapple

evo2er wrote: »

Got a renewal quote today for 6,950 from Hibernian as a named driver for a 94 Evo II. Iv 6 points but no claims and full licence and have the been insured with them for the last year. It was only 1,800 for it last year and that was with a provisional. I actually taught they made a mistake with the quote, but to my amasement and shock it was right.

ridicolous, did you ask to speak to a manager?

copeyhagen

thats bollox but the evo is totally blacklisted.

my insurance on the euro r was up yesterday, theyre lookin for 2500.

swappin it for a civic type r hopefully tonight or 2moro night, 1800 with quinn for the civic.

both fully comp, im 25, prov lic 2 years, 2 years no claim bonus.

alphanine

I got a quote on an Accord Euro R for 1400 with Quinn. I'm 25, full licence, and 1 yr ncb, 0 penalty points. This is shockingly low considering this thing can do 0-60 well under 7 secs. I'm currently driving a Mazda AZ3 Autozam and the insurance is 1100 and it isn't that fast. It doesn't make sense at all.

markos79

last year a friend of mine got insured on a 2000 subaru imprezza sti he was 19 at the time on a provisional. he had other cars before this including a twin cam.

when he rang up quinn direct for a quote they said they wouldnt be able to quote him so he rang the irish insurance federation (or somthing like that) and they told him its against the law for an insurance company not to quote and insure you no matter what!!!!

when he rang quinn direct back and said this to them they agreed to quote him and he was insured within the hour.

try it out,it will work!!!

Bobo78

Lads I just read the hole tread about the insurances and high performance cars and i need to ask you about something.

I made on modification on my car about a year ago, but i only decided to report it to the insurance company 2 days ago. The modification is the rear back box and insurance company refused to quote me and said that i d have to change the company because they don't insure modified cars.
But the thing is that i know one fella who drives a fully modified Glanza with 1.3 turbo engine, and he is insured with Axa.
And he is not the only one i v seen so many modified cars out there on the road that have Axa insurance disc.

Do you know whether they were telling the truth and is there any way around it?
Thanks lads

Atomic Pineapple

Bobo78 wrote: »

Lads I just read the hole tread about the insurances and high performance cars and i need to ask you about something.

I made on modification on my car about a year ago, but i only decided to report it to the insurance company 2 days ago. The modification is the rear back box and insurance company refused to quote me and said that i d have to change the company because they don't insure modified cars.
But the thing is that i know one fella who drives a fully modified Glanza with 1.3 turbo engine, and he is insured with Axa.
And he is not the only one i v seen so many modified cars out there on the road that have Axa insurance disc.

Do you know whether they were telling the truth and is there any way around it?
Thanks lads

its highly unlikely that they have the mods declared, that said they could have but as you've experienced insurance companies dont have a clue and are no good to deal with at all, its highly unlikely your modification is beneficial or changes your car at all but they suddenly wont quote you, thats a joke, its no wonder people dont declare mods

J.S. Pill

evo2er wrote: »

Got a renewal quote today for 6,950 from Hibernian as a named driver for a 94 Evo II. Iv 6 points but no claims and full licence and have the been insured with them for the last year. It was only 1,800 for it last year and that was with a provisional. I actually taught they made a mistake with the quote, but to my amasement and shock it was right.

I work for hibernian and that price doesn't surprise me at all. A 19 year old was looking to sub an evo a few months ago and the renewal quote was €10k!

Also they start loading your policy once you go over 4 points so that may have been a factor for you aswell.

Bobo78

draffodx wrote: »

its highly unlikely that they have the mods declared, that said they could have but as you've experienced insurance companies dont have a clue and are no good to deal with at all, its highly unlikely your modification is beneficial or changes your car at all but they suddenly wont quote you, thats a joke, its no wonder people dont declare mods

What do you mean by declaring modifications and is there any way I can check that for sure without contacting Axa because they would just tell me the same thing including the manager.
Those insurance companies are real ***** they rip you off no matter what.:mad:
As well do you know whether tinted windows and Lexus lights qualify as modification on a car?

Atomic Pineapple

Bobo78 wrote: »

What do you mean by declaring modifications and is there any way I can check that for sure without contacting Axa because they would just tell me the same thing including the manager.
Those insurance companies are real ***** they rip you off no matter what.:mad:
As well do you know whether tinted windows and Lexus lights qualify as modification on a car?

declaring mods as in telling the insurance company that they are on the car, you dont have to tell them but if they decide it is modified and you didnt tell them after a crash they may decide not to insure you.

Tints and Lexus Lights would be modifications yes

Bobo78

So basically when someone crashes and has Lexus lights on the car, insurance company would decide that they wont payout for the damages because car had a modified lights.:(:confused::mad:.
Am I right?

Bobo78

Is there anything i can do relating to them refusing to insure me on a modified back box?
Such as taking an advice from IIF?
Because i v seen many modified cars with Axa Insurance disks.

Atomic Pineapple

Bobo78 wrote: »

Is there anything i can do relating to them refusing to insure me on a modified back box?
Such as taking an advice from IIF?
Because i v seen many modified cars with Axa Insurance disks.

it would be very harsh of them not to insure you because of lights and tints, technically they could decide not to insure you but in most cases they probably will.

i'd email the iff and ask them for advice on them not insuring you for the modification

Bobo78

I m actually more interested about the rear back box, do they really have a right to refuse me insurance because of the box , and is there anything i can do regarding that?
Can I complain to the IIF about Axa and then give Axa piece of my mind?
And is there a chance that they change their mind?
I ask this because i read somewhere here on this post that insurance company has to insure on your car no matter what?

Atomic Pineapple

Bobo78 wrote: »

I m actually more interested about the rear back box, do they really have a right to refuse me insurance because of the box , and is there anything i can do regarding that?
Can I complain to the IIF about Axa and then give Axa piece of my mind?
And is there a chance that they change their mind?
I ask this because i read somewhere here on this post that insurance company has to insure on your car no matter what?

no if you notice when your looking for insurance online you have to agree to some things before you get a quote such as your not disqualified from driving, one of the other things is that the car is not modified from standard, so they are well within there rights to refuse you unfortunately

Axwell

My mate has an integra type r and had a civic type r before that and got insurance off this crowd without any hassle when the others wouldnt touch him or gave him a ridiculous quote
http://www.brittoninsurance.com/index.html

Bobo78

Well actually there is only one thing they can refuse me. I already took out the modified back box and replaced it with the standard one.
The only other thing I have on the car is Lexus lights, but tinted windows i don't have. Thats what i planned to do on my next car.
But now will have to see about that:rolleyes:

I heard about this Britons Insurance and they seem alright.
Almost every 3 days i would look on carzone what car would i like to have and then i would just go and get a quote online and they are fairly cheap.
Just yesterday i i asked for a quote online for Alfa Romeo 156 with 1.6 engine, and they were asking for 1900 ish euro but within 7 hours later they send me an email were they said after seeing my details they can offer me for 1200 ish euro. Thats with 2 years no claim bonus and 20 years of age.
Which is less then i m paying now on 1.4 engine with Axa.

ShadowHearth

hear my story lads:
first insurance here in ireland:

i was 21, no claim bonus, full europeon Driving l. ( same as full B ),Girlfriend named driver (full B,24year) :
car: pegeot 406 00' 1.8
AXA: 1900eu
Quin direct: 3800eu

Now i am 22, 1 no claim bonus, and i changed mine car to MB clk200 00' 2.0l ( mine GF is named driver aswell)

AXA: we wount insure you, becouse you dont have 30 years
Quin direct: 1290eu - thank you

Thought i asked how much it will cost me to insure mine old 406 in quinn direct, they said: 1600eu! I was like: " 406 is 1.8l and its value 5 times less then CLK200, why bigger insurance?!

Answer: our system it counted like that...

So think is: some insurances working with first time drivers, athers with female drivers, athers: who have loads of NCB. So there is no 1 best insurance or 1 worse insurance, its just you need to get in the spot you belong to .

p.s. hoping in next year, after i get 1 more NCB, to try insure s14/s15 or scooby.