Getting insured on a high powered car?

gman127

Hi there,

does anyone know of an insurance company in operating in Ireland who would insure on a new car I was planning on buying in the new year?

The main problem being:

The car I want is a Mitsubishi Lancer Evolution VII 2.0 Turbo

But wait there's more!

I'm 22!

And the real obstacle:

I have a penis


I have a clean licence and 4 years no claims bonus but cant get a quote.

Am with FBD at the moment and woman at the counter seemed to do her best not to laugh when she rang her head office to ask

Can anyone point me in the right direction?

I was planning to buy this car for a while now and was going to finally go ahead with it in January / February but want to know I can get insured first, Thanks

Agent Smith

get your Mum or Dad to insure it? the go as a named driver?

Mr Benevolent

Agent Smith wrote: »

get your Mum or Dad to insure it? the go as a named driver?

+1 Try not to kill anyone while you're driving it either XSDirect will probably insure you too.

Absurdum

wait another 3 years:pac:

hawkmoon269

There are a few companies that will insure you, but for some reason they only deal via brokers. So, talk to a broker rather than deal with insurance companies directly.

You'll get insurance alright, though you'll pay for it.

Caliden

You could try getting insured on a 1L car and then swapping it over

.Longshanks.

Try Briton insurance brokers

TheBazman

You should be able to get something through a broker. For higher powered cars St Pauls Travellers seems to be the inurer they normally come up with

Henry Ford III

Save very hard. If you do get a quote it'll be heavy duty.

Eoin

Agent Smith wrote: »

get your Mum or Dad to insure it? the go as a named driver?

Mum or dad won't be the primary driver though (I am guessing).

2 Espressi

And prepare yourself, it ain't gonna be pretty.



If I were you I'd be building up my NCB for a couple of years in somethign a little more insurance friendly first.

OP stated he has 4 years NCB.

Cuddlesworth

Deleted User wrote: »

OP stated he has 4 years NCB.

The age and penis thing are worse then no NCB.

TestTransmission

Im guessing 2/3 k?

no1beemerfan

I doubt you'll get quoted. My sister has a 190bhp toyota celica vvtl-i (and she was 23 or 24 when she got it!!) but no way can her boyfriend get quoted as named driver even. He is 23. My sister had an accident and all but had no problem getting a quote.....was even cheaper than me getting insured on a 110bhp car...and I'm three years older than her and full ncb.:mad:

sleepysniper

no1beemerfan wrote: »

I doubt you'll get quoted. My sister has a 190bhp toyota celica vvtl-i (and she was 23 or 24 when she got it!!) but no way can her boyfriend get quoted as named driver even. He is 23. My sister had an accident and all but had no problem getting a quote.....was even cheaper than me getting insured on a 110bhp car...and I'm three years older than her and full ncb.:mad:

Think quotes depend on cars location and where it will be used aswell as age, gender etc

oldyouth

gman127 wrote: »

Am with FBD at the moment and woman at the counter seemed to do her best not to laugh when she rang her head office to ask

Your current insurers are obliged to offer you a quotation under industry regulations providing you have a valid licence to drive it. Also, the quote cannot be so high as to be deemed a declinature. Do not let them fob you off like that and mention this regulation to them

Henry Ford III

oldyouth wrote: »

Your current insurers are obliged to offer you a quotation under industry regulations providing you have a valid licence to drive it. Also, the quote cannot be so high as to be deemed a declinature. Do not let them fob you off like that and mention this regulation to them

I'm aware of the obligation to quote, but not the quantum restriction. Any further details on it?

no1beemerfan

no1beemerfan wrote: »

I doubt you'll get quoted. My sister has a 190bhp toyota celica vvtl-i (and she was 23 or 24 when she got it!!) but no way can her boyfriend get quoted as named driver even. He is 23. My sister had an accident and all but had no problem getting a quote.....was even cheaper than me getting insured on a 110bhp car...and I'm three years older than her and full ncb.:mad:

A friend of mine has a 200sx modified up to 340bhp insured for less than 1k with Quinn. He is only 23 now and has had it since he was 21, the most he was paying was a little over 2k. All the mods are declared by the way. As far as I can see you can get lucky at times and get a quote.

MarkN

First Ireland - I'm with Travellers now since last week through them, Hibernian wanted 2,500 for the year, I got a quote with the same extras (windscreen, breakdown, full bonus protection, excess is 250 quid)
as Hibernian for 1100. Travellers don't do direct you have to go to a broker.

http://new.clubcare.ie/V2/default.asp

Stainless_Steel

Have a sex change? Or at least cross dress?

oldyouth

Henry Ford III wrote: »

I'm aware of the obligation to quote, but not the quantum restriction. Any further details on it?

All Insurers have a base rate for every vehicle on our roads within their quotation mechanism. That doesn't mean they will quote it for new business though and certain ones are flagged. However, they must offer existing customers a quotation, if requested

Insurers then weight this base premium by pre-set percentages for individual circumstances. ie. sex, age, licence, postcode, occupation etc. They are not supposed to increase these percentages in order to calculate a premium sufficiently high enough to be as good as a declinature.

If you start talking to Insurers as if you know what you are on about, they soon pull in your horns. However, you should really try and talk to a senior/experienced member of staff. It's not thier fault but many front line staff are only sales people and not all know the ins and outs.

Personally, I agree with Insurers deterring young men from driving these yokes, but I suppose it is your right.

MarkN

oldyouth wrote: »

Personally, I agree with Insurers deterring young men from driving these yokes, but I suppose it is your right.

Not every young male driver disrespects a high performance car nor do they drink drive, do drugs, speed in inappropriate locations.....

brandon_flowers

As a local once said to the garda when he was told he had no tax on his Honda 50 "shur tis going the finesht without it"

psycho-hope

try bestquote.ie but ring the number rather then online i found they were the best dont bother with fbd or hiberninan, i was looking recently for my own insurance fair enough only have a learners permit but got a quote of 1,500 off hibernan and 1,900 off fbd on a 1.3 00punto:eek:

Marlow

Rene Chilly Surgeon wrote: »

A friend of mine has a 200sx modified up to 340bhp insured for less than 1k with Quinn. He is only 23 now and has had it since he was 21, the most he was paying was a little over 2k. All the mods are declared by the way. As far as I can see you can get lucky at times and get a quote.

Quinn can be forthcoming alright. I was told by them, they wouldn't insure any car over 300 bhp, however when I send them a letter with my insurance cert for my old car and that i'm canceling my insurance, they called me up and actually offered to insure my M5 at a decent enough price. Also Quinn seems to be fairly unproblematic with modifications. Price only goes up, if the engine power is increased and it's after market gear.

/M

oldyouth

MarkN wrote: »

Not every young male driver disrespects a high performance car nor do they drink drive, do drugs, speed in inappropriate locations.....

I never said they did and by you saying 'not every' it means you think some do. A terrifying prospect in my opinion

Graham_B18C

I found it difficult to get a quote on an Integra, im also 22. I was with Quinn and just told em I wanted to change to a car I just bought, but AFAIK, the Teg is group 18 or 19, whereas the Evo is 20 (Same as Ferrari's and the like!) I know a guy who had an Evo 3 when he was 20, think he paid about 4500 a year to insure it.

I don't think anyone will actually quote you on it, so just make sure to have plenty of money ready when you get it. What are you currently driving?

offline.seller

Hey,

Give ARB in Dublin (rathfarnham) a call, they seem to be decent enough with high performance stuff. I've had both private and trade insurance with them and they were significantly cheaper than any other quotes I received. Initially I was a named driver on an impreza and after that a trade (road risks) policy in my own name for work.

Cheers,

o/s