insurance on 130bhp ,classed as high performance

bk1991

hey guys

who will insure me 19 on a 130 bhp bora passat a4 . none of em will even quoate even though i have been told that quinn should give a quoate even though it would be fairly high .



bk1991

kennethk

bk1991 wrote: »

hey guys

who will insure me 19 on a 130 bhp bora passat a4 . none of em will enev quoate even thou i have been told that quinn should give a quoate even thou it would be fairly high .



bk1991

mmm..did you try quinn? what experience have ya?

Del2005

If none will quote you.

You need to ask them for a letter saying they won't quote you. Then when you have 3 of these you go back to the 1st company and they have to quote you, there is no law saying it has to be anywhere near reasonable.

If not try XS Direct and pray you don't crash.

L1011

Quinn have become somewhat different since the administration started. 123 are also decent for young drivers with faster cars but have just changed hands are are changing underwriters so this may stop too.

The quote is going to be astronomical, whoever you get it off, and there'll be some loading for the automatic assumption that you'll probably have an undeclared remap.

If you can get paper refusal letters from three or more insurers, the insurance federation (IIF) will obtain you a quote. But as I said, it'll be astronomical

MYOB

MYOB wrote: »

123 are also decent for young drivers with faster cars but have just changed hands are are changing underwriters so this may stop too.

123.ie changing from Travellers ? How would this effect existing policy holders who want to remain with travellers ?

bk1991

quinn said the cant quoate under 21's

123.ie who are soposed ot be cheep has quoated me €3950 for a 1.9tdi 100bhp.where as quinn quoated €1200

i have nearly 3 years named driveing experience .


bk1991

Bonito

You're 19 and Quinn are giving you a 100bhp tdi for €1200, and you're complaining?

Ditch the A4. Quinn & Axa did the same with me. Get a 320d instead. Your insurance will be less than it is with a passat or A4 and AFAIK the least powerful engine with the 320d is 136bhp or something.

L1011

RoverJames wrote: »

123.ie changing from Travellers ? How would this effect existing policy holders who want to remain with travellers ?

Royal & Sun Alliance have bought 123 and are going to do new policies / renewals under their own underwrting.

C0N0R

Have you tried fbd?

And as for the 1200 from Quinn that's not bad at all. In paying roughly the same and in 23 with full licence five years, 3 years ncb. That's on a 100bhp highline passat. But it's also class 3 insurance to....

djimi

bk1991 wrote: »

quinn said the cant quoate under 21's

123.ie who are soposed ot be cheep has quoated me €3950 for a 1.9tdi 100bhp.where as quinn quoated €1200

i have nearly 3 years named driveing experience .


bk1991

Quinn said they cant quote for under 21s but gave you a quote of €1200? How does that work then?

At 19 years of age you either have to have realistic expectations about what car you can drive or an awful lot of money to drive whichever car you choose.

Try ARB Insurance. They will probably give you a quote where others wont, but I cant guarantee it will be any more to your liking than the €3950 123.ie quoted you.

Atomic Pineapple

bk1991 wrote: »

i have nearly 3 years named driveing experience .

3 years named experience wont even equate to one years NCB, get yourself onto your own policy and start building up your NCB.

Mr.David

Its so Irish to classify 130bhp as "high performance".

High relative to walking maybe

bazz26

Mr.David wrote: »

Its so Irish to classify 130bhp as "high performance".

High relative to walking maybe

I'm sure when it comes to insurance companies covering young and/or inexperienced drivers then 130bhp would be classed as high performance.

vibe666

there is a reason insurance on certain cars is so high for young drivers and it's all down to statistics.

i'm not saying you're a bad driver (or a good one, i have no idea either way) but statistically speaking, a car like that is much more likely to end up wrapped round a tree than something a little more sensible and a younger driver with relatively little experience is much more likely to be the one doing the wrapping.

everyone with any interest in cars grows up lusting after supercars and wanting the fastest most powerful car they can lay their hands on, but the truth of it is that in the first few years of driving, most of us just don't have the experience or the sense to treat a more powerful car with the respect it deserves.

chances are fairly high that a lot of young lads are going to have at least one accident in their first few years of driving and insurance companies are just trying to price the majority of them out of the range of a powerful car to mitigate the risk (admittedly, most likely just the financial one).

i know you just want the best car you can afford to impress your mates, but the 'best car you can afford' = cost of car + running costs + insurance

it's a pain in the backside i know. i came to ireland 9 years ago having been driving full time (off-road) since i was 13 and having passed my test at 17 but with no no claims bonus because i'd been out of the UK for several years before and driving on someone else's insurance and had to pay €1200 to insure a 1.3L fiesta that was only worth €2500 at the time which was cheaper to insure with my girlfriend as the main policyholder even though she was still only a learner. I checked and in the UK, it would have been less than £300 to insure the same car.

sorry, i know it sucks, but that's the reality of driving in ireland and you'll just have to do what the rest of us do and suck it up and dial back your expectations of what you can afford to drive until you have some NCB's to bring the insurance cost down.

keithclancy

bk1991 wrote: »

quinn said the cant quoate under 21's

123.ie who are soposed ot be cheep has quoated me €3950 for a 1.9tdi 100bhp.where as quinn quoated €1200

i have nearly 3 years named driveing experience .


bk1991

1200 euros is about the going rate for your Age.
Nobody is going to beat quinn in your circumstances imo.

no1beemerfan

draffodx wrote: »

3 years named experience wont even equate to one years NCB, get yourself onto your own policy and start building up your NCB.

My sister's boyfriend insured his car under his mother's name from 17 till 24. He has just decided to go out on his own and he is now paying almost 3k! I've two cars insured for €920 as I bit the bullet when I first started driving.

@ OP don't try insure the impossible the 1st year. Keep it simple and once you've one year over you should be laughing.

djimi

no1beemerfan wrote: »

My sister's boyfriend insured his car under his mother's name from 17 till 24. He has just decided to go out on his own and he is now paying almost 3k! I've two cars insured for €920 as I bit the bullet when I first started driving.

@ OP don't try insure the impossible the 1st year. Keep it simple and once you've one year over you should be laughing.

This is the best advise. Insurance starts high but keep your nose clean, get a full license (if you havent got it already) and it will drop fairly sharply in the first few years. It always works out cheaper in the long run to get your own policy.

MidlandsM

Op, consider going for a 1.3 or 1.4 for your first year and build from there.

djimi

MidlandsM wrote: »

Op, consider going for a 1.3 or 1.4 for your first year and build from there.

Bear in mind also its not just about engine size. Not a huge amount of difference in cc between a 1.25 Fiesta and 1.3 Starlet Turbo, but see which one the insurance companies are more likely to quote for Ditto a 1.4 Civic and a 1.4 Polo. In fact, probably more chance of getting insurance on a 1.6 Focus than on a 1.4 Civic.

MidlandsM

Yep, a 1.6 focus could be a good start.

vibe666

you can go plenty fast enough in a 1.6 focus or golf or something similar, they're far from slow.

i had a 1.6L (not even the 16v one) mk4 golf in the UK and you've still got 101bhp could just about touch 130mph on the flat before the limiter kicked in.

and that's considered a sensible car by most standards. de-badge it and stick a nice big exhaust and bodykit on it and (almost) nobody will know the difference.

bk1991

yea 1200€ is great for insurance on 100bhp bora a4 or passat . Why i was looking up insurance for a 130bhp was .There are alot more for sale and seam to be selling cheeper mebay this is beacuse its harder to insure
The higest bhp quinn will insure me is 115bhp . So what ever i got could chip it to 115 n tell quinn .
-This is with 3yrs named driveing
-3yrs full licience.
-2yrs ncb


bk1991

Henry Ford III

vibe666 wrote: »

...i had a 1.6L (not even the 16v one) mk4 golf in the UK and you've still got 101bhp could just about touch 130mph on the flat before the limiter kicked in.

Your speedo must have been pretty optimistic.

Bonito

bk1991 wrote: »

yea 1200€ is great for insurance on 100bhp bora a4 or passat . Why i was looking up insurance for a 130bhp was .There are alot more for sale and seam to be selling cheeper mebay this is beacuse its harder to insure
The higest bhp quinn will insure me is 115bhp . So what ever i got could chip it to 115 n tell quinn .
-This is with 3yrs named driveing
-3yrs full licience.
-2yrs ncb


bk1991

You don't get 2 years full no claims bonus from named driving.

vibe666

Henry Ford III wrote: »

Your speedo must have been pretty optimistic.

just looking it up now and it looks like you're right by quite a bit, but I had it from new so you'd imagine a speedo on something like that *should* be pretty accurate and the limiter would always kick in at most a couple of mm from the 130mph mark on the speedo, so it must have been pretty inaccurate.

according to parkers the top speed of the 1.6 S is 117mph so it must have been a good 10mph out at least which is a little worrying.

Kimbot

bk1991 wrote: »

yea 1200€ is great for insurance on 100bhp bora a4 or passat . Why i was looking up insurance for a 130bhp was .There are alot more for sale and seam to be selling cheeper mebay this is beacuse its harder to insure
The higest bhp quinn will insure me is 115bhp . So what ever i got could chip it to 115 n tell quinn .
-This is with 3yrs named driveing
-3yrs full licience.
-2yrs ncb


bk1991

Ok, I find this a bit weird.

3 yrs full licence?? You can only get a provisional for a car when you are 17, you are now only 19 so where is the 3 years there??

bk1991

bk1991 wrote: »

yWhy i was looking up insurance for a 130bhp was .There are alot more for sale <snip>

Are you sure the cars you look are really 130 PS? Knowing Irish trait for going to basic model combined with the fact that all of the early 1.9 PD engines in VW were marked TDI until around 2003 when the 100 PS version was demoted back to TDI.

So a TDI can be either 100, 115, or 130. There's a sticker in the boot that tells what model it really is, 74KW being 100 PS.

Henry Ford III

vibe666 wrote: »

just looking it up now and it looks like you're right by quite a bit, but I had it from new so you'd imagine a speedo on something like that *should* be pretty accurate and the limiter would always kick in at most a couple of mm from the 130mph mark on the speedo, so it must have been pretty inaccurate.

according to parkers the top speed of the 1.6 S is 117mph so it must have been a good 10mph out at least which is a little worrying.

10% error on a speedo is not unusual tbh.

bmw535d

samih wrote: »

Are you sure the cars you look are really 130 PS? Knowing Irish trait for going to basic model combined with the fact that all of the early 1.9 PD engines in VW were marked TDI until around 2003 when the 100 PS version was demoted back to TDI.

So a TDI can be either 100, 115, or 130. There's a sticker in the boot that tells what model it really is, 74KW being 100 PS.

+1 the sticker si the only way to tell. thousands of people think they have a 130bhp when its really a 115 or 100. i think 96kw is 130bhp.

vibe666

vibe666 wrote: »

i had a 1.6L (not even the 16v one) mk4 golf in the UK and you've still got 101bhp could just about touch 130mph on the flat before the limiter kicked in.

What limiter ? A 1.6 Golf won't go anywhere near the red line in top gear.

EPM

RoverJames wrote: »

What limiter ? A 1.6 Golf won't go anywhere near the red line in top gear.

Have the same engine - it will go to a limiter alright...but nowhere near that speed:D:pac:

Although it could be the engine about ready to explode too!

padunne

I dont get how your complaining about 1200 on 130 brake at your age and no experience. Im on 965 with quinn on a 1.4 xsara and they are the cheapest by 300 and i have 3 years ncb full license with them. If i were to move to the same bora or a4 i actually will be quoted higher than you.
Im now limited to either change to a trueno or something as they all keep saying i need to be 21 for the usual teg altezza kind of things.

Do ya mind me asking where ya live. Before my friend had 1.6 corolla insured for 200 less than my 1.4 and he had 2 points. Think its due to fact he lived in sligo and me galway.

SGKM

I got my A4 1.9 TDI 130BHP when I was 22 and I was with FBD at the time. I'm 24 now with 3 years NCB, 3 years named, full licience 4 years and 2 points, I'm paying €900 fully comp with Aviva with full NCB protection. When I was ringing around for quotes a month ago, 1 or 2 companies gave me the "it's too powerful" line and wouldn't quote... and I'm 24!

MidlandsM

SGKM wrote: »

I got my A4 1.9 TDI 130BHP when I was 22 and I was with FBD at the time. I'm 24 now with 3 years NCB, 3 years named, full licience 4 years and 2 points, I'm paying €900 fully comp with Aviva with full NCB protection. When I was ringing around for quotes a month ago, 1 or 2 companies gave me the "it's too powerful" line and wouldn't quote... and I'm 24!

lol..too powerfull.........FFS:D

Eric Cartman

Bonito wrote: »

You're 19 and Quinn are giving you a 100bhp tdi for €1200, and you're complaining?

Ditch the A4. Quinn & Axa did the same with me. Get a 320d instead. Your insurance will be less than it is with a passat or A4 and AFAIK the least powerful engine with the 320d is 136bhp or something.

quinn are weird with that , i called them up and apparantly a 520d is performance and a 320d is not ? also they gave me a quote on a 323is but it was 3k , but wouldnt quote me on any 5 series, madness

CosmicJay

Quinn are nice and handy.

I bought my car in a leap of faith, (1.8t) and when I called up they refused to quote at first, but when I mentioned I already had the car in my posession they quoted me.

Not looking forward to the renewal though.

vibe666

RoverJames wrote: »

What limiter ? A 1.6 Golf won't go anywhere near the red line in top gear.

it would get to a point where the revs would peak and then dip and peak & dip over and over in the space of a couple of seconds. i assumed that was some kind of limiter but i'm open to correction, it was just an assumption.

djimi

Eric Cartman wrote: »

quinn are weird with that , i called them up and apparantly a 520d is performance and a 320d is not ? also they gave me a quote on a 323is but it was 3k , but wouldnt quote me on any 5 series, madness

Quinn are indeed odd. I was looking for insurance on my ITR last year and they told me they would flat out refuse to quote me on any car over 1600cc, regardless of the class of car. I was 26 at the time with 8 years full license and 2 years NCB...

djimi

vibe666 wrote: »

it would get to a point where the revs would peak and then dip and peak & dip over and over in the space of a couple of seconds. i assumed that was some kind of limiter but i'm open to correction, it was just an assumption.

My experience of limiters is that its a fairly sudden loss of power; my main experience of them was in a Supra which still had the JDM limiter in place and when she hit 180kmph it was like she completelty lost power for a fraction of a second so the revs dropped right back. Im not sure if its the same in all cars with limiters.

bk1991

Bonito wrote: »

You don't get 2 years full no claims bonus from named driving.

quinn said i did .so i dono

jonny24ie wrote: »

Ok, I find this a bit weird.

3 yrs full licence?? You can only get a provisional for a car when you are 17, you are now only 19 so where is the 3 years there??

being alowed 3yrs named driveing because i am only a few months frm 3yrs

samih wrote: »

Are you sure the cars you look are really 130 PS? Knowing Irish trait for going to basic model combined with the fact that all of the early 1.9 PD engines in VW were marked TDI until around 2003 when the 100 PS version was demoted back to TDI.

So a TDI can be either 100, 115, or 130. There's a sticker in the boot that tells what model it really is, 74KW being 100 PS.

when i type in reg into quinn website it says what make model etc .

padunne wrote: »

I dont get how your complaining about 1200 on 130 brake at your age and no experience. Im on 965 with quinn on a 1.4 xsara and they are the cheapest by 300 and i have 3 years ncb full license with them. If i were to move to the same bora or a4 i actually will be quoted higher than you.
Im now limited to either change to a trueno or something as they all keep saying i need to be 21 for the usual teg altezza kind of things.

Do ya mind me asking where ya live. Before my friend had 1.6 corolla insured for 200 less than my 1.4 and he had 2 points. Think its due to fact he lived in sligo and me galway.

1200 on a 100bhp i am not complaineing just would like get quoate on 130
as there is very few 100bhp a4s



bk1991

Idbatterim

130bhp high performance! ha ha ha! the driver is potentially much more dangerous than the car, whatever car it may be!

teednab-el

Im 25. I have an Audi A4 SE (2000) 1.9TDI 96kw(130BHP) I am insured with Quinn Direct €736 fully comp. Driving since im 18 and Full Licence at 19 years, 4 years NCB. The insurance quote I got was the best I could do. Some Insurance companies wouldnt even insure me on the car even with these details. They said the car was too powerful. Others were quoting me in the €1000's.. Unbelievable

keithclancy

vibe666 wrote: »

it would get to a point where the revs would peak and then dip and peak & dip over and over in the space of a couple of seconds. i assumed that was some kind of limiter but i'm open to correction, it was just an assumption.

Sounds like your MAF is knackered

vibe666

keithclancy wrote: »

Sounds like your MAF is knackered

it was brand new at the time (spring 1999). maybe it was just too busy partying.

padunne

Companies are funny. Quinn said two weeks ago flat out no to anything over 110bhp. I then asked about a gttdi golf 130 bhp or 150bhp and they had no problem quoting. When i asked him he had no real reply.
Then called axa and no to basically anything until i told them i had 3yr ncb. She then said insure a small litre car then just buy whatever and they would quote me on a teg, b4, silvia etc. Only trouble is she gave no hint as to what them quotes would be at all.

djimi

padunne wrote: »

Companies are funny. Quinn said two weeks ago flat out no to anything over 110bhp. I then asked about a gttdi golf 130 bhp or 150bhp and they had no problem quoting. When i asked him he had no real reply.
Then called axa and no to basically anything until i told them i had 3yr ncb. She then said insure a small litre car then just buy whatever and they would quote me on a teg, b4, silvia etc. Only trouble is she gave no hint as to what them quotes would be at all.

I cant believe that they would actively tell you to do that. Personally I wouldnt ever take a chance on buying a car without knowing how much its going to cost to get insured on it, but it would be interesting to know what would happen if you did follow her advise and were then refused insurance or quoted a massive price...

padunne

Ya i was surprised myself. First she said i was too young. I was about to leave it and she sayd what ncb. I said 3 and she goes 'oh well basically insure you on what you want but cant give a quote for new business'. i was grand with that and then she said to insure my 1.4 and then swap it. Id also not chance it myself as you could easily get caught. might just bide my time or try a different auto