Cars that are insurance risks..

RidleyRider

So I'm 18 and the day is approaching where I'll be passing my full test(hopefully) and buying my first car. I've been driving for the past year under my mothers name in a C3.

I've got my head screwed on and want a car that insurance companies are going to look at and think 'boy racer' and then charge me through the roof for insurance. So what I want to know is what cars do insurance companies consider to be under that category?

I suppose at this stage it would be safe to add;

Civcs
Glanzas etc..

Stuff under 1.6 can be thrown into the list. I just want to narrow down my options in cars because its too broad now.

Cheers,

RR

Sobanek

VW Golf
Any BMW
Audi A3
Honda Integra
Honda CRX

Get something uncool - these are lower risk.

Volvo V40 1.8 for example - insurance for that is cheaper than a Polo 1.4. (in most cases)

shooter88

Honestly your prob going to be screwed even on a 1lt.your question asks the impossible all insurance companies differ in price and class cars different that's if they even quote you
The system sucks I think all first time drivers should be gave insurance at a decent rate at first and if they keep a clean license and behave continue to reduce but in the case of a nut case jack up the insurance sky high..makes the roads safer and rewards good young drivers

Sobanek

shooter88 wrote: »

Honestly your prob going to be screwed even on a 1lt.your question asks the impossible all insurance companies differ in price and class cars different that's if they even quote you
The system sucks I think all first time drivers should be gave insurance at a decent rate at first and if they keep a clean license and behave continue to reduce but in the case of a nut case jack up the insurance sky high..makes the roads safer and rewards good young drivers

18 + 1 Year Named Driver Experience + Full licence = better off than 17 + no experience + provisional.

I got quoted 1700 on the V40 last year, so it wasn't too bad.

circadian

AE86 Corolla. Worked in insurance a few years back. Used to get 18 year olds wanting to insure Levin and Trueno Corollas saying "they're just standard".
Yeah standard tree magnets.
Like it's been said. Uncool is the way to go. Ye might even get a decent car that's comfy and unassuming. Class amongst your type-R peers.

tunedout

RidleyRider wrote: »

I've got my head screwed on and want a car that insurance companies are going to look at and think 'boy racer' and then charge me through the roof for insurance.

that makes no sense. your'e better off buy a smaller cheaper car and get cheaper insurance. the higher powered cars will have cheaper insurance after you have a few years in the mini cars.

TwoShedsJackson

tunedout wrote: »

that makes no sense. your'e better off buy a smaller cheaper car and get cheaper insurance. the higher powered cars will have cheaper insurance after you have a few years in the mini cars.

Think he missed a vital 'don't' in there.

djimi

circadian wrote: »

Class amongst your type-R peers.

You trying to suggest that Type Rs arent classy? :mad:

JohnBoy26

circadian wrote: »

AE86 Corolla. Worked in insurance a few years back. Used to get 18 year olds wanting to insure Levin and Trueno Corollas saying "they're just standard".
Yeah standard tree magnets.
Like it's been said. Uncool is the way to go. Ye might even get a decent car that's comfy and unassuming. Class amongst your type-R peers.

I think your confusing real Type Rs with Type R replicas There is a huge, huge difference.

CiniO

Estimating insurance risk on the kind of car someone is driving seem to be ridiculous and completely wrong.

Why should I pay higher premium if I own a car which is favourable by young lads which crash a lot.
It's not the car which is causing accidents.

pete4130

It's the choice of car that more people choose to have accidents in? Front on...no oncoming traffic...morepower than a standard car, favoured by younger males as cool, "S" for sport/fast.

Insurance companies working the statistics/numbers?

Chris_Heilong

CiniO wrote: »

Estimating insurance risk on the kind of car someone is driving seem to be ridiculous and completely wrong.

Why should I pay higher premium if I own a car which is favourable by young lads which crash a lot.
It's not the car which is causing accidents.

Nail on the head, they should insure the driver, not the car(unless the car is worth a load of money)but back to the OP's question, Fiat Panda, Micra, Yaris or a Honda Jazz I think should all be safe options, good luck.

tcawley29

19 year old male here driving a 1.4 d4d corolla 90bhp on the mothers name. Cheapest quote last august was 1350 fully comp with myself and my father as named drivers. I had one years no claims as a named driver then. This august I can get it for 1237 fully comp in my name with my parents as named drivers.
If thats expensive then I remember when I was 18 I got tpft insurance as a named driver on a 1.0L yaris on the mothers policy for 1126.

CiniO

tcawley29 wrote: »

19 year old male here driving a 1.4 d4d corolla 90bhp on the mothers name. Cheapest quote last august was 1350 fully comp with myself and my father as named drivers. I had one years no claims as a named driver then. This august I can get it for 1237 fully comp in my name with my parents as named drivers.
If thats expensive then I remember when I was 18 I got tpft insurance as a named driver on a 1.0L yaris on the mothers policy for 1126.

Heh I remember when I was 19 I got Fiat Cinquecento 1.1 sporting. I had to pay about 70 euros for third party cover. My father was added to the policy so I could use his NCB that's why it was cheaper.
My friend though (the same age - 19) got Audi A4 1.8 Turbo modified up to 220BHP, so he had to pay around 160euro (as he couldn't add anyone to his policy to get NCB).
All this 12 years ago in Poland

Kintarō Hattori

Sobanek wrote: »

Get something uncool - these are lower risk.

Volvo V40 1.8 for example - insurance for that is cheaper than a Polo 1.4. (in most cases)

Oi! :pac:

tcawley29

CiniO wrote: »

Heh I remember when I was 19 I got Fiat Cinquecento 1.1 sporting. I had to pay about 70 euros for third party cover. My father was added to the policy so I could use his NCB that's why it was cheaper.
My friend though (the same age - 19) got Audi A4 1.8 Turbo modified up to 220BHP, so he had to pay around 160euro (as he couldn't add anyone to his policy to get NCB).
All this 12 years ago in Poland

Still makes me jealous to hear the small sounding prices :P I mean, I know money worth more back then but still :pac: