Insurance at 20 on dc2

Liamu2

iv been driving a 1.3 corolla for 2 years and wanted to buy a new faster car

I want to buy a dc2 integra but the insurance is the killer but i see other young guys driving them? any one know how it can be done?

Would it work if i got insured on say my corolla and then transfered to the dc2?

Not fair that everyone has to pay for insurance just because of stupid boy racers

pms welcome

Vertakill

If you went out and bought the car today and looked to transfer your insurance from your Corolla over, they'll have to give you a quote.
Although that can be risky if you couldn't afford to insure it once you had the car.

I think once you've commited money to the car (ie. say you've placed a deposit on it) they should quote you though so you could try that.

But DC2's and 20yo's = alarm bells for most insurance companies as you can imagine.

Liamu2

Vertakill wrote: »

If you went out and bought the car today and looked to transfer your insurance from your Corolla over, they'll have to give you a quote.
Although that can be risky if you couldn't afford to insure it once you had the car.

I think once you've commited money to the car (ie. say you've placed a deposit on it) they should quote you though so you could try that.

But DC2's and 20yo's = alarm bells for most insurance companies as you can imagine.

Yeah I can imagine, but its gona be the same story with any faster car:/

Could I ring them and say that I have put a deposit towards it even if I Havnt , I seen some integras as '1.6 on the book' I imagine this is very iligal? But what if you didn't know any better ?

Atomic Pineapple

Liamu2 wrote: »

I seen some integras as '1.6 on the book' I imagine this is very iligal? But what if you didn't know any better ?

Your paying thousands for a piece of worthless paper that way.

_Conrad_

Liamu2 wrote: »

I seen some integras as '1.6 on the book' I imagine this is very iligal? But what if you didn't know any better ?

If it's not a 1.6, or it's a fancy version pretending to be a standard low spec 1.6 and you then get in an accident, you're pretty much screwed once someone sees it's an integra, sees your age and finds out you've been driving around with invalid insurance due to false information. You'd not get insured again after that until you're over 30.

You can't say you didn't know any better. It's your responsibility to insure the car properly, and even if you genuinely didn't know the info was wrong you'd still get punished big time, due to your age and the type of car they'd never believe you

Vertakill

Liamu2 wrote: »

Not fair that everyone has to pay for insurance just because of stupid boy racers

Liamu2 wrote: »

I seen some integras as '1.6 on the book' I imagine this is very iligal? But what if you didn't know any better ?

Sounds a lot like an idea from a 'stupid boy racer' .. :P

Liamu2 wrote: »

Could I ring them and say that I have put a deposit towards it even if I Havnt

Of course you can. Just say you've a deposit on the car and are looking to get a quote for insurance and say you'll get back to them whether you want to take it up or not.

Liamu2

Vertakill wrote: »

Sounds a lot like an idea from a 'stupid boy racer' .. :P

Maybe,I wouldn't know.

Yeah your right just really annoying how they won't insure the person as an individual instead of discriminating by age and gender

Testament1

DC1 Integras are actually 1.6 so they'd be grand for insurance. They basically look like a low spec DC2. I've also seen a couple of DC2 with 1.6 Civic engine conversions popping up on DoneDeal lately, presumably for tax and insurance purposes. If you had one of those and an engineers report to confirm the work then you can insure that as a 1.6.
But personally I wouldnt buy a 1.6 Teg. B18 all the way!

As has been said you can buy the car and transfer your insurance over. They might quote you very high though so its a bit of a gamble.

colatube

I got quoted 1200 with Aviva about 3 weeks ago on a DC2 type R.
And I thought that was a blessing. 26yrs, 6 years NCB, No points, full licence and IAM membership, the cheapest quote I got elsewhese was 1700, and 2700 from 123.ie... :eek:

Absolute nightmare to get insured on them, but worth it when you do :P

Shane732

Yea insurance can truely be a pain in the arse!

I wouldn't know much about Integra's, what bph is the DC2? Is it a Type -R car?

I noticed one poster saying he gota good quote with Aviva. I've gotten quotes from Aviva recently and they have been very competitive. The cheapest for me seems to FBD but then I only drive a tractor!

Are the teg's quick?

Liamu2

Shane732 wrote: »

Yea insurance can truely be a pain in the arse!

I wouldn't know much about Integra's, what bph is the DC2? Is it a Type -R car?

I noticed one poster saying he gota good quote with Aviva. I've gotten quotes from Aviva recently and they have been very competitive. The cheapest for me seems to FBD but then I only drive a tractor!

Are the teg's quick?

Iv never been in a dc2 but been in a type r civic and they arw quick and my uncle has a dc5 integra and that is quick but there be people who would say they are slow aswell..all depends what your used to, nice change from a tractor anyway

Atomic Pineapple

Shane732 wrote: »

Yea insurance can truely be a pain in the arse!

I wouldn't know much about Integra's, what bph is the DC2? Is it a Type -R car?

I noticed one poster saying he gota good quote with Aviva. I've gotten quotes from Aviva recently and they have been very competitive. The cheapest for me seems to FBD but then I only drive a tractor!

Are the teg's quick?

187PS for an Irish or UK spec and 197PS for a Japanese Spec (On 98+ RON petrol)

DC2 is a Type R

They are a quick light weight car, think track based car for the roads.

Henry Ford III

As my broker says "you have to pay for your fun" - more so if you are 20 I guess.

Liamu2

What do you guys think a reasonable price would be for me ? Is there any other similar cars easyer to insure? iv had my heart set on this car for years tho:/

Does the insurance company have to be based in Ireland?

trek04

When I was 18 I owned a 98 GS-R and payed around $1900 every 6 months. Back then I had a pretty bad record with accidents and some tickets. Now at 23 I own a 2001 Type-R and my insurance rate is about $225 a month with a DUI (no SR22) under famers insurance. No other tickets or accidents.

Liamu2

Liamu2 wrote: »

What do you guys think a reasonable price would be for me ? Is there any other similar cars easyer to insure? iv had my heart set on this car for years tho:/?

can't see you getting insured for less than €3500 on it

omb0wyn5ehpij9

Liamu2 wrote: »

What do you guys think a reasonable price would be for me ? Is there any other similar cars easyer to insure? iv had my heart set on this car for years tho:/

Does the insurance company have to be based in Ireland?

If somebody quotes you less than 4k under your own name and with a normal excess, I would be surprised. My last renewal on my Integra was €1600 fully comp. I'm 27, full licence for 4 years, 2 years named driving experience and 2 years no claims in my own name. Oh and that was on an Irish Integra which are supposedly a bit easier to insure than the Jap Imported Integras

jimmycrackcorm

You'll get charged the difference on an insurance transfer. Say you had the corolla insured for 10 months and then wanted to change then it will likely be affordable because the extra payment would only be for two months difference. however you'd still get screwed for the following year.

Vicxas

Im pretty sure it'll be worth for the remaining time, then you'll be nailed to the wall next year on insurance, best bet is to wait until you've a few more years under your belt before you join the sports car club

Liamu2

Well I was gona get insured under my mother who is 46 full licence for 3 years and 2 year ncb

Vicxas

Will the car be registered under your name?

illegalmidget

company called XS direct i think they only go through brokers though.. there not great at all. there cheap and thats about it! they apply a 4000 euro Excess to policys so i u had an accident you would have to pay the first 4000 and then they pay any thign over that!!
we get a lot of young guys goin with this policy where i work cuz they cant afford any thing else!!
had a 19year old girl, prov lic and No no claims bonus the other day and got her a quote with them for 1100
but lik i said the excess and the fact that they are crap not many people go with them! only the desperate!

x in the city

Liamu2 wrote: »

iv been driving a 1.3 corolla for 2 years and wanted to buy a new faster car

I want to buy a dc2 integra but the insurance is the killer but i see other young guys driving them? any one know how it can be done?

Would it work if i got insured on say my corolla and then transfered to the dc2?

Not fair that everyone has to pay for insurance just because of stupid boy racers

pms welcome

good luck...

Liamu2

illegalmidget wrote: »

company called XS direct i think they only go through brokers though.. there not great at all. there cheap and thats about it! they apply a 4000 euro Excess to policys so i u had an accident you would have to pay the first 4000 and then they pay any thign over that!!
we get a lot of young guys goin with this policy where i work cuz they cant afford any thing else!!
had a 19year old girl, prov lic and No no claims bonus the other day and got her a quote with them for 1100
but lik i said the excess and the fact that they are crap not many people go with them! only the desperate!

Wow thanks il look into that ..you say onoy through brokers so they don't have a website or anything ? Are they an Irish company?

And I was thinking of putting the car in my mothers name

illegalmidget

Liamu2 wrote: »

Wow thanks il look into that ..you say onoy through brokers so they don't have a website or anything ? Are they an Irish company?

And I was thinking of putting the car in my mothers name

ye thats kind of a tricky one as well.

im assumign your mother has her own car at the moment.. if she does then shes already using her no claims bonus on her car and you can only use it on one car at a time.
Also insurance compaines arent stupid they do realise that your mother isnt goin to be driving around in a boy racer car an that its more then likley for you. which can cause some issues, as teh policy holder is supposed to be the main driver i.e the driver that uses it the most

iv seen companies nto even bother givin quotes for that reason

challengemaster

Liamu2 wrote: »

And I was thinking of putting the car in my mothers name

Insurance fraud if you're the main driver - again, it's basically paying for a piece of worthless paper, when it comes down to a claim being made, it'll be coming out of your pocket.

Liamu2

illegalmidget wrote: »

ye thats kind of a tricky one as well.

im assumign your mother has her own car at the moment.. if she does then shes already using her no claims bonus on her car and you can only use it on one car at a time.
Also insurance compaines arent stupid they do realise that your mother isnt goin to be driving around in a boy racer car an that its more then likley for you. which can cause some issues, as teh policy holder is supposed to be the main driver i.e the driver that uses it the most

iv seen companies nto even bother givin quotes for that reason

Well she drives another car which she is named driver on and then i am named driver under her on my corolla which is in her name.

Im not tryin to sound smart here but in all honesty how can the insurance company know who drives the car the most? im not planning on having an accident either , i know it an unforeseen event but i am careful havn't had one incident in nearly 3 years

Also i found Xs Direct's website and there was an online quote thing and it said it couldnt quote under 25's on performance vehicles

Liamu2

They seem ok about insuring me on a Type r Civic :?

Just trying find driver licence numbers il let you know if it quotes me

Liamu2

I just rang quinn insurance and said iv put a deposit on the car and they said i need to be 30 with a full driving licence ..grr i just tryed it in my own name so frustrating

illegalmidget

Liamu2 wrote: »

I just rang quinn insurance and said iv put a deposit on the car and they said i need to be 30 with a full driving licence ..grr i just tryed it in my own name so frustrating

hhmmm wat kind of license is it prov?
u ahve 2 years no claism bonus.. what year / engine size is the car?

Testament1

Liamu2 wrote: »

I just rang quinn insurance and said iv put a deposit on the car and they said i need to be 30 with a full driving licence ..grr i just tryed it in my own name so frustrating

They wont care if you've a deposit on it or not as you still dont own it. They'll only transfer your insurance if you tell them you have bought the car and its sitting in your driveway.

Liamu2

Testament1 wrote: »

They wont care if you've a deposit on it or not as you still dont own it. They'll only transfer your insurance if you tell them you have bought the car and its sitting in your driveway.

right i see, so if i try that tomorow you think it would work? what would be best places to try?

also should i try get insured under my mother or my self?


what id like to do if i could is have my corolla and drive that through winter months , then when the nice weather comes in transfer it over..

would you say this would be possible?

VolvoMan

While we're on the subject, I saw an ad for a Toyota Levin recently and in the description the seller said it was "easy to insure".

I thought these were blacklisted by insurers, particularly with young drivers?

kev250

A lot of levin's are just down as a 1.6 corolla on the log book

Tefral

Im 26 in june,full licence with no claims since i was 17, driving a DC2 for €550

They are next to impossible to insure for a reason though, you have to think long and hard where you park it because they are broken into all the time.

They are a very quick car, though they dont feel it when your driving it.

Alot of them are written off these days.

kev250

Why is it so cheap and what insurance company?

Tefral

kev250 wrote: »

Why is it so cheap and what insurance company?

Suppose i was 8 years driving at the time of the quote with no accident history. I put my OH on it too and it made no difference in price (in previous cars she brought down my premium)

Travellers Insurance.

id also consider that dear. I beat them down from 700 for it.. Id just plain out refuse to pay big money on car insurance. My first ever insurance on my own when I was 17 €970 odd with change, i was quoted 1300 or something, I laughed and told the lady on the phone to ring me back with a better quote, She did a a couple of hours later. That was Tesco insurance, I stayed with them for 5 years.

Del2005

VolvoMan wrote: »

While we're on the subject, I saw an ad for a Toyota Levin recently and in the description the seller said it was "easy to insure".

I thought these were blacklisted by insurers, particularly with young drivers?

It could be easy for a 60 year old with full NCB in the middle of nowhere with it locked in a shed. They aren't lying.

Del2005

Liamu2 wrote: »

right i see, so if i try that tomorow you think it would work? what would be best places to try?

also should i try get insured under my mother or my self?

They'll have it on record that you called and they said no. So if you do it they will quote you. But there's no law that it has to be anywhere near reasonable.

what id like to do if i could is have my corolla and drive that through winter months , then when the nice weather comes in transfer it over..

would you say this would be possible?

Yes, loads of people do this. There's usually an admin fee to transfer the cover. But then you're DC2 won't have any cover on it for several months.

VolvoMan

kev250 wrote: »

A lot of levin's are just down as a 1.6 corolla on the log book

I take it that means most of them are not insured properly?

Testament1

VolvoMan wrote: »

While we're on the subject, I saw an ad for a Toyota Levin recently and in the description the seller said it was "easy to insure".

I thought these were blacklisted by insurers, particularly with young drivers?

kev250 wrote: »

A lot of levin's are just down as a 1.6 corolla on the log book

VolvoMan wrote: »

I take it that means most of them are not insured properly?

Technically Levins are Corollas....Toyota Corolla Levin and its twin Toyota Sprinter Trueno. Its up to whoever is insuring it to specify the model. Also it might say Corolla on the log book or in the case of mine "Other" but the AE111 chassis number is still recorded which would show it up as a Levin/Trueno.

My log book says "Other" for the model but typing the reg into MyWheels.ie brings it up as a Levin. Another thing to note is that Truenos are actually easier to insure than Levin despite being the exact same car bar a few minor visual differences. This is most likely down to there having been more claims against Levins than Truenos.

Henry Ford III

Testament1 wrote: »

Technically Levins are Corollas....Toyota Corolla Levin and its twin Toyota Sprinter Trueno. Its up to whoever is insuring it to specify the model. Also it might say Corolla on the log book or in the case of mine "Other" but the AE111 chassis number is still recorded which would show it up as a Levin/Trueno.

My log book says "Other" for the model but typing the reg into MyWheels.ie brings it up as a Levin. Another thing to note is that Truenos are actually easier to insure than Levin despite being the exact same car bar a few minor visual differences. This is most likely down to there having been more claims against Levins than Truenos.

From an insurance perspective a Toyota Levin is a Toyota Levin, and it's up to the proposer not the insurer to correctly specify the correct model.

Failure to do so can/will invalidate cover.

Testament1

Henry Ford III wrote: »

From an insurance perspective a Toyota Levin is a Toyota Levin, and it's up to the proposer not the insurer to correctly specify the correct model.

Failure to do so can/will invalidate cover.

By insurer I meant the person looking for insurance, but I can see how you'd have taken me up wrong. Also I'm insured with Quinn and in their online quote system you cant simply select Toyota Levin. You have to select Toyota Corolla and then select Levin as the model of Corolla.

stephendevlin

VolvoMan wrote: »

I take it that means most of them are not insured properly?

Some of them are 1.6

Graham_B18C

Liamu2 wrote: »

I just rang quinn insurance and said iv put a deposit on the car and they said i need to be 30 with a full driving licence ..grr i just tryed it in my own name so frustrating

They told me that too, I was 22 when I got mine. I told em I wouldnt be renewing because of it. About five mins later they called me back telling me they would quote me on it. I paid 1850 fully comp last year, went up to 1950 this year (insurance rates or some crap) so I changed to TPFT and am paying 1450. You won't be paying 4k to insure it. I'd say it will be the guts of 3 grand though.

They are a fairly expensive car to run in comparison to a 1.3 Toyota so make sure you do your sums before getting it. Insurance ain't the only thing you'll be paying for. Ming gets 260 miles to a tank (45L) and that's on a long drive with touching 6k RPM for very very short periods

Testament1

stephendevlin wrote: »

Some of them are 1.6

All Levins are 1.6. Well actually the XZ model is a 1.5 I believe but the only AE111 Levins you'll find in Ireland would be BZ-G or BZ-R, might be one or two BZ-V models knocking around too.

Anyway OP best of luck with the insurance. It can be done but it wont be cheap!

Liamu2

if i got a quote even would be good.

So if i buy an integra and just ring up and say hey i am transfering my insurance to this car and i need it for college..you think they will do it

TestTransmission

Liamu2 wrote: »

if i got a quote even would be good.

So if i buy an integra and just ring up and say hey i am transfering my insurance to this car and i need it for college..you think they will do it

They probably will,but be prepared to bend over and hand them some lube

stephendevlin

Also don't be expecting a policy on renewal if you do this. You will have to get rid of the car. When You go to get insurance again they wl ask you have you ever been non renewed.. Doesn't go down too well

Graham_B18C

stephendevlin wrote: »

Also don't be expecting a policy on renewal if you do this. You will have to get rid of the car. When You go to get insurance again they wl ask you have you ever been non renewed.. Doesn't go down too well

No, they will renew it.

Testament1

stephendevlin wrote: »

Also don't be expecting a policy on renewal if you do this. You will have to get rid of the car. When You go to get insurance again they wl ask you have you ever been non renewed.. Doesn't go down too well

They'll renew it alright. They might give you a ridiculous quote for renewal but they'll renew it.