Can i haz a Supra as a 1st car?

Mariusz Pudgyanovski

ok so im going on 29 and my wheels have been a motorbike (200hp one) so far with a squeaky record..
i dont have a license for a car but am thinking of it now as winters on a bike are getting old.

i've been wanting a supra since 17 but it was a pipe dream. now im eyeing up a twin turbo manual one and i know its an annoying noob question but i dont move in car circles so no idea what the story is.

wondering will i even get quoted for this car on a provisional?

thanks.

Alanstrainor

No you will not. Simple as.

Duff

Not a hope on a provisional. Even with a full, clean licence at that age, quotes would still be ridiculous.

CianRyan

Haha, good luck man. You'll have nothing like superbike performance from a car for a good few years, man.
You might get insurance on GS300, same TT engine. It'll cost a bomb though.

NinjaK

you can but you wont be able to insure it

unkel

Mariusz Pudgyanovski wrote: »

my wheels have been a motorbike (200hp one)

You have a 200BHP motorbike? What is it? Does your insurance company know about this? How much is your insurance now?

Mar4ix

well , why not ? i had nissan skyline R33, 2.5 , in 2006, with no ncb ,first car in Ireland ... but i had 8+ years eu license though ...

It was hard to get insurance, just one broker gave me quote .. 2150 euro... with 4 k excess though ... but i was road legal

still with that broker.:)

If op want, i can pm brokers name, or if mods doesnt mind, i cant put it here

CianRyan

You'd been driving 8 years though, OP doesn't have a licence. Haha

Mar4ix

CianRyan wrote: »

You'd been driving 8 years though, OP doesn't have a licence. Haha

thats true, i think, he has to get license first , drive micra at least 5 years.

Mariusz Pudgyanovski

unkel wrote: »

You have a 200BHP motorbike? What is it? Does your insurance company know about this? How much is your insurance now?

€1000 FC :eek:

ah nuts. looks like ill have to insure myself on me sisters i30 for a few years to build up a bit of a record

Mar4ix wrote: »

If op want, i can pm brokers name, or if mods doesnt mind, i cant put it here

do please


again thanks everyone for answering the question, i know its annoying as lots of people ask me can they get a 1000cc race bike but they dont have a bike license yet :pac:

SteelyDanJalapeno

Would 3rd party insurance do? Use the drivers extension that some companies offer now, including liberty....

Mar4ix

Mariusz Pudgyanovski wrote: »

ah nuts. looks like ill have to insure myself on me sisters i30 for a few years to build up a bit of a record

I think, that wont work well, you have to get your own car, and insurance on your own name, i think named driver experience not really taken in to account,when getting such car , get full license first , then get small car like micra, golf for couple years.

Or you can get learners license, but register car on your uncle, sisters or fathers name, get insurance on their name,and put your own name as second driver, it will might work , but i am not sure.

Will pm you that broker name.

leeomurchu

Mariusz Pudgyanovski wrote: »

ok so im going on 29 and my wheels have been a motorbike (200hp one) so far with a squeaky record..

What bike are you riding that has 200bhp?? :eek:

Mariusz Pudgyanovski

leeomurchu wrote: »

What bike are you riding that has 200bhp?? :eek:

its a musclebike which shall remain anonymous
a real 173whp after a known 16% loss in transmission = 206bhp, although the dyno was calculating 230+ that day lol

Mully_2011

Get a chaser in from Japan they have come down in price and they wouldn't be a million miles off a Supra performance wise handy enough to insure too

leeomurchu

Serious machine.. you'll feel like you're standing still in a supra and they're not in anyway slow.

I'd say you'll find insurance somewhere there are loads of dodgy ways of getting a car on the road I've heard of lads using a german company and having €8000 excess on their policies.

By the sounds of it your bike insurance would be a bit of a grey area so that might be you only option to insure a supra on a provisional licence.

Mariusz Pudgyanovski

Mully_2011 wrote: »

Get a chaser in from Japan they have come down in price and they wouldn't be a million miles off a Supra performance wise handy enough to insure too

pardon my ignorance, but whats a chaser?

leeomurchu wrote: »

By the sounds of it your bike insurance would be a bit of a grey area so that might be you only option to insure a supra on a provisional licence.

my insurance is 100% legit and honest i'll have you know

tuxy

I'm confused. Why can't the op tell us what bike he has?

Is he just trying to sound mysterious or something?

L1011

TiltedBrain wrote: »

Would 3rd party insurance do? Use the drivers extension that some companies offer now, including liberty....

3rd party extension does not cover other vehicles that you own - specifically for this reason.

Mar4ix

why supra, get nissan skyline GTR ... depend of budget R32, r33 or R34. 2.6 twin turbo 4x4 . my hart will always stay with skylines unfortunately just in dreams .... yet.

ShadowHearth

OP, i really really wanted skyline, since i was 15, more then i wanted my next breath. In reality if you want to insure it properly there is not a hope to insure it in your situation. I had to be at least 24 and pick up 3 NCB and still go sneaky way about it to get r33 gtst insured ( buy, the car and ask insurance company to update policy ).
Even now it will be very hard to insure skyline/supra even if you got full license with 5billion NCBs.

The best thing you can do now is just apply for license, get full B license and drive atleast for 2-3 years in your own policy name.

tuxy

If you ring every insurance company and broker you can find, surely someone would insure you even if the premium is 5k/6k

Mully_2011

Mariusz Pudgyanovski wrote: »

pardon my ignorance, but whats a chaser?




my insurance is 100% legit and honest i'll have you know

Its a 2.5 Turbo RWD Toyota with 280bhp that was only sold in Japan

SteelyDanJalapeno

MYOB wrote: »

3rd party extension does not cover other vehicles that you own - specifically for this reason.

Well yeah, have the car in a family members name or friend or spouse? cheap legal insurance

Technoprisoner

why not?? i was insured on an evo on a provisional

tuxy

TiltedBrain wrote: »

Well yeah, have the car in a family members name or friend or spouse? cheap legal insurance

Isn't it common for it to also stipulate that the car must be insured by someone else too?

Mar4ix

Mully_2011 wrote: »

Its a 2.5 Turbo RWD Toyota with 280bhp that was only sold in Japan

hmmm. never seen them here in Ireland. Looks nice, .. but is there service parts available in Ireland ? brakes, clutches, etc . ? my friend has R34 skyline, struggling get some parts.

L1011

TiltedBrain wrote: »

Well yeah, have the car in a family members name or friend or spouse? cheap legal insurance

Fraud if the family member doesn't actually own and drive the car as the main driver.

My third party exemption specifically excludes spouses cars (or my previous one did - not sure).

ShadowHearth

Mar4ix wrote: »

hmmm. never seen them here in Ireland. Looks nice, .. but is there service parts available in Ireland ? brakes, clutches, etc . ? my friend has R34 skyline, struggling get some parts.

there are few chasers around and those are proper PIMP mobiles. I WOULD LOVE one, but they go for crazy crazy money.
As for parts, there are stuff that you can get from TOYOTA itself, but most of the lads, just order stuff from online websites. I am pretty sure runnings costs of chaser and supra wont be very different.

leeomurchu

whatever you plan when you ring about getting a car insured tell them that you've bought the car already not that you're thinking of buying one. They're legally obliged to quote you for a car you own afaik.

I'm sure you bike insurance is perfectly legit

tuxy

They are popular for this kind of thing

https://www.youtube.com/watch?v=o14T4ADpNiI

I can't imagine it being easy to find a clean one but I could be wrong.

Mariusz Pudgyanovski

Mar4ix wrote: »

why supra, get nissan skyline GTR ... depend of budget R32, r33 or R34. 2.6 twin turbo 4x4 . my hart will always stay with skylines unfortunately just in dreams .... yet.

yes the r33 and 34s are sweet but ive been in love with the supra since i first saw it 11 years ago

SteelyDanJalapeno

tuxy wrote: »

Isn't it common for it to also stipulate that the car must be insured by someone else too?

No,

It actually cant be insured by another company.

Driving other cars
If your certificate of insurance says so, we will also cover you, the policyholder,
for your liability to other people while you are driving any other private motor
car which you do not own or have not hired or leased, as long as:
1. the vehicle is not owned by your employer or hired to them under a
hire-purchase or lease agreement;
2. you currently hold a full European Union (EU) licence;
3. the use of the vehicle is covered in the certificate of insurance;
4. cover is not provided by any other insurance;
5. you have the owner’s permission to drive the vehicle;
6. the vehicle is in a roadworthy condition; and
7. you still have the insured vehicle and it has not been damaged beyond
cost-effective repair.
This extension applies while being driven within the territorial limits and only to
private passenger vehicles. It does not include:
• vans;
• car-vans;
• jeep-type vehicles with no seats in the back; or
• vans adapted to carry passengers.

Armin_Tamzarian

I shudder to think what would have happened if I'd been driving a TT Supra back when I was on a provisional.

L1011

TiltedBrain wrote: »

No,

It actually cant be insured by another company.

Driving other cars
If your certificate of insurance says so, we will also cover you, the policyholder,
for your liability to other people while you are driving any other private motor
car which you do not own or have not hired or leased, as long as:
1. the vehicle is not owned by your employer or hired to them under a
hire-purchase or lease agreement;
2. you currently hold a full European Union (EU) licence;
3. the use of the vehicle is covered in the certificate of insurance;
4. cover is not provided by any other insurance;
5. you have the owner’s permission to drive the vehicle;
6. the vehicle is in a roadworthy condition; and
7. you still have the insured vehicle and it has not been damaged beyond
cost-effective repair.
This extension applies while being driven within the territorial limits and only to
private passenger vehicles. It does not include:
• vans;
• car-vans;
• jeep-type vehicles with no seats in the back; or
• vans adapted to carry passengers.

The need for it to be insured or not varies between insurers. Its not a clear-cut yes/no.

SteelyDanJalapeno

MYOB wrote: »

The need for it to be insured or not varies between insurers. Its not a clear-cut yes/no.

Okay.....

For Liberty its states


4. cover is not provided by any other insurance;

johndaman66

Mariusz Pudgyanovski wrote: »

its a musclebike which shall remain anonymous
a real 173whp after a known 16% loss in transmission = 206bhp, although the dyno was calculating 230+ that day lol

But is that print out not saying the max power was 172.89 bhp?

Mariusz Pudgyanovski

if you get a '93 mk5 and call it a classic next year, would that help? (:

leeomurchu

johndaman66 wrote: »

But is that print out not saying the max power was 172.89 bhp?

It seems to be perhaps that's at the wheel and he's adding on a bit for a crank measurement?

tuxy

OP ring a few companies tomorrow and say you have a provisional and a supra sitting in your driveway. I'm genuinely interested in what they say to you.


I remember a friend of mine rang an insurance company saying he was 17 and wanted to insure a starlet he just bought.
He was on the phone for a while saying he was clueless about cars and was not sure what model starlet it was but it looked fairly standard. Anyway near the end of the call he said "oh it says GT on the back".
Your man on the phone lost it.
"A GT TURBO!, Oh NO, OH GOD NO." (in a really thick Donegal accent)
Childish but funny at the time

L1011

TiltedBrain wrote: »

Okay.....

For Liberty its states


4. cover is not provided by any other insurance;

That doesn't mean what you think it means at all.

That means that they will not pay out if you are insured on the vehicle by anyone else - e.g. have your own policy on it, or the vehicle has Open Drive.

If it meant what you think it means, it'd mean you couldn't use the third party extension if the vehicle was insured for anyone.

As it stands, Liberty are one of the insurers that don't require the car to be insured by someone else and will provide documentation for you if stopped/summons for non-display. Many other insurers do not apply the third party extension if the vehicle isn't insured to the owner.

Mariusz Pudgyanovski

johndaman66 wrote: »

But is that print out not saying the max power was 172.89 bhp?

ah thats a typo, the printout only shows whats at the wheel as thats what the dyno makes contact with. i had it done when stock and it was 16% less at wheel than the manufacturers crank spec. im also in an owners club, its just know that theres a 16% loss in hp and 14% in torque in the tranny

i have a video here that shows the dyno screen running past 230bhp when making its calculations for the crank power

guil

Mariusz Pudgyanovski wrote: »

ah thats a typo, the printout only shows whats at the wheel as thats what the dyno makes contact with. i had it done when stock and it was 16% less at wheel than the manufacturers crank spec. im also in an owners club, its just know that theres a 16% loss in hp and 14% in torque in the tranny

i have a video here that shows the dyno screen running past 230bhp when making its calculations for the crank power

So what is it, are you ghost rider?

SteelyDanJalapeno

MYOB wrote: »

That doesn't mean what you think it means at all.

That means that they will not pay out if you are insured on the vehicle by anyone else - e.g. have your own policy on it, or the vehicle has Open Drive.

If it meant what you think it means, it'd mean you couldn't use the third party extension if the vehicle was insured for anyone.

As it stands, Liberty are one of the insurers that don't require the car to be insured by someone else and will provide documentation for you if stopped/summons for non-display. Many other insurers do not apply the third party extension if the vehicle isn't insured to the owner.

I dont know why your making this complicated!

The OP can Insure a low risk car, lets say a 1L Corsa, and under the drivers extension offer with Liberty his policy will allow him to drive his "mates" Supra As long as its not insured and has tax and NCT.

leeomurchu

TiltedBrain wrote: »

I dont know why your making this complicated!

The OP can Insure a low risk car, lets say a 1L Corsa, and under the drivers extension offer with Liberty his policy will allow him to drive his "mates" Supra As long as its not insured and has tax and NCT.

I don't think so and sure doesn't a provisional driver have to have a fully licenced driver and all that other good stuff with him??

Sure anyway OP you have a bucket of driving lessons to wade through before you even get behind the wheel of a car.

L1011

TiltedBrain wrote: »

I dont know why your making this complicated!

The OP can Insure a low risk car, lets say a 1L Corsa, and under the drivers extension offer with Liberty his policy will allow him to drive his "mates" Supra As long as its not insured and has tax and NCT.

Except that unless his "mate" actually owns and uses the Supra, he's committing fraud. In your scenario, the OP would be the beneficial owner of it, which is all the insurers care about, and the third party extension would not be valid.

And, once again, the insurance thing in Liberty's conditions does not mean what you think it does.

The third party extension also does not apply to learners, another problem.

Mariusz Pudgyanovski

leeomurchu wrote: »

a provisional driver have to have a fully licenced driver and all that other good stuff with him??

awwwwwwwwwwwwwwww nuts


has anyone heard of having a car restricted, to help with insurance?

its done a lot on motorbikes..

guil

TiltedBrain wrote: »

I dont know why your making this complicated!

The OP can Insure a low risk car, lets say a 1L Corsa, and under the drivers extension offer with Liberty his policy will allow him to drive his "mates" Supra As long as its not insured and has tax and NCT.

can't drive other cars unless you have a full licence so that's the OP screwed for a start

Stheno

leeomurchu wrote: »

I don't think so and sure doesn't a provisional driver have to have a fully licenced driver and all that other good stuff with him??

Sure anyway OP you have a bucket of driving lessons to wade through before you even get behind the wheel of a car.

Can you imagine the face on a driving instructor if you turned up in a Supra?

tuxy

I have never heard of that done on cars. Cars are so heavy I can't see it working.

L1011

Stheno wrote: »

Can you imagine the face on a driving instructor if you turned up in a Supra?

I know of one who has an MR2, so he'd probably be delighted.