ek civic insurance

Colin.JDM.

How's it going lads I'll be turning 17 in a couple weeks time and was just wondering what would the insurance be like on a standard ek4 Irish car under a named driver any help apretiated sound
She's 1.4 by the way

Atlantic Dawn

Do you have a full licence? Any driving experience as a named driver?

challengemaster

Atlantic Dawn wrote: »

Do you have a full licence? Any driving experience as a named driver?

Turning 17, aka has never driven before as it's impossible.

Standard insurance quote for a 17 year old on a civic is €hahahahahahahahhahahahahahahahhahahahahahahha

shietpilot

What year is it?

If it's older than a 2000 then you can forget about IMO.

I know lads who were insured on Civics with provisional licences but this 15 year old rule will pretty much make it impossible.

bigboss1986

Colin.JDM. wrote: »

How's it going lads I'll be turning 17 in a couple weeks time and was just wondering what would the insurance be like on a standard ek4 Irish car under a named driver any help apretiated sound
She's 1.4 by the way

Im 29 with 8+NCB and I cant get insurance for type R EP3 for less than 2000€ !!
I'd say be prepare to not get insurance at all

Colin.JDM.

Shes a 1.4 00is the year

Squidgy Black

Probably about 4 times the worth of the car. If you can even find someone to insure it.

punisher5112

Only way around this op if you get a policy on a less risky car type and have open cover then drive civic.

I can't see you personally getting your own policy on a civic especially over 15 years old.

Named driver may work but as said a lot of companies are now not covering older cars.

Squidgy Black

punisher5112 wrote: »

Only way around this op if you get a policy on a less risky car type and have open cover then drive civic.

I can't see you personally getting your own policy on a civic especially over 15 years old.

Named driver may work but as said a lot of companies are now not covering older cars.

Open drive these days mostly only covers drivers over 25 with a full licence.

Toyotafanboi

I would have to say money probably couldn't buy this any more.

pablo128

punisher5112 wrote: »

Only way around this op if you get a policy on a less risky car type and have open cover then drive civic.

I can't see you personally getting your own policy on a civic especially over 15 years old.

Named driver may work but as said a lot of companies are now not covering older cars.

There's only 2 companies at the moment not insuring cars over 15 years.

shietpilot

pablo128 wrote: »

There's only 2 companies at the moment not insuring cars over 15 years.

The rest are putting loadings on these cars. 17 + provisional licence + old car + high risk car = good luck.

Colin.JDM.

What insurance companies would cover me as under a named driver

bazz26

17 year old male, Honda Civic and car over 10 years old? Bring a jar of lube with you OP.

BTW insurance companies are getting more and more wise these days to parents taking out a policy on another car to add their kids as a named driver for cheaper insurance when in fact the child is the main driver. This is known as fronting. They just load whoever is the highest risk driver on the policy to mitigate against it.

Probably not what you want to hear but your better off getting a car that has a lesser profile with insurance companies. Honda Civics or the likes of Golfs, Boras or Passats are very popular with young lads and as such insurance companies load them.

YbFocus

Colin.JDM. wrote: »

What insurance companies would cover me as under a named driver

They'll know man, just have a **** car for the first few years.
Then drive what you want!

Skylinehead

Colin.JDM. wrote: »

What insurance companies would cover me as under a named driver

Being a named driver on your own car won't make a bit of difference these days.

Liam McPoyle

punisher5112 wrote: »

Only way around this op if you get a policy on a less risky car type and have open cover then drive civic.

I can't see you personally getting your own policy on a civic especially over 15 years old.

Named driver may work but as said a lot of companies are now not covering older cars.

Firstly, you are talking about driving other cars, not open drive.

Most insurers won't give driving other cars to anyone under 25.

That, coupled with the fact that DoC specifically excludes cars owned by the policy holder means its a total non runner.

Squidgy Black

You can try contact as many insurers as you can find, brokers as well, but honestly it's more than likely none of them will touch you. Even as a named driver, they're dead wide now to young lads with high risk cars going as named driver to try save a few quid.

punisher5112

Business Cat wrote: »

Firstly, you are talking about driving other cars, not open drive.

Most insurers won't give driving other cars to anyone under 25.

That, coupled with the fact that DoC specifically excludes cars owned by the policy holder means its a total non runner.

Hence why the car is put in other family members name.

I am just putting all above out there.

Me years ago as a named driver on a primera 1.6 quoted €6000.

I would have rarely got to use the car.

Got a micra and paid double cost of car on insurance.

This was with a full licence.

shietpilot

punisher5112 wrote: »

Hence why the car is put in other family members name.

Driving of other cars only applies to the policy holder. Named drivers cannot use it.

I've seen this many times on the Cars and Parts for sale Facebook page... Young lads are getting policies on parents' names and then they think driving of other cars applies to them :eek:

Liam McPoyle

punisher5112 wrote: »

Hence why the car is put in other family members name.

I am just putting all above out there.

Me years ago as a named driver on a primera 1.6 quoted €6000.

I would have rarely got to use the car.

Got a micra and paid double cost of car on insurance.

This was with a full licence.

Named drivers dont get DoC.

You took the correct option.

I swear, the sense of entitlement that so many young people have nowadays with relation to driving is staggering.

Im 17 with no experience but I want to drive a Civic, a Golf, a Bora but I want it as cheap as possible, even if that means defrauding the insurance company and lying on proposal forms.

:mad:

First time drivers can get on the road cheaper than ever with the likes of Boxymo and other tailored products for high risk drivers but even thats not good enough for alot of them.

punisher5112

shietpilot wrote: »

Driving of other cars only applies to the policy holder. Named drivers cannot use it.

I've seen this many times on the Cars and Parts for sale Facebook page... Young lads are getting policies on parents' names and then they think driving of other cars applies to them :eek:

Believe me I know how it works.

I started in a sh1tbox and worked my way up.

I would be shocked to see a 17 yo get insurance on a civic.

chriity139

Colin.JDM. wrote: »

How's it going lads I'll be turning 17 in a couple weeks time and was just wondering what would the insurance be like on a standard ek4 Irish car under a named driver any help apretiated sound
She's 1.4 by the way

Its an ek2 not an ek4. EK4's is an sir civic which if you quoted that model there would be no hope in hell insuring it at 17.

The 1.4 one should be fine. Try munster group. They were the best for me for insuring my dc5 by a mile

Colin.JDM.

chriity139 wrote: »

Its an ek2 not an ek4. EK4's is an sir civic which if you quoted that model there would be no hope in hell insuring it at 17.

The 1.4 one should be fine. Try munster group. They were the best for me for insuring my dc5 by a mile

It is ek4 lad

pablo128

Colin.JDM. wrote: »

It is ek4 lad

If it was originally a 1.6 vtec and has the engine changed to a 1.4, it's still a SiR or type r on the insurance database.

YbFocus

Colin.JDM. wrote: »

It is ek4 lad

Ah lad, lad.

Lad

ION08

Colin.JDM. wrote: »

It is ek4 lad

Its not an ek4 laaaad.

An ek4 is an ek shape civic with a 1.6 VTEC B16 engine which you havent a hope of insuring

An ek2 is an ek shape civic with the 1.4 D13 engine.

Please feel free to share this nugget of knowledge with all of your wannabe "laaaaad" mates.

Squidgy Black

She's on the book as a 1.4 I bet laaaad.

Toyotafanboi

ION08 wrote: »

An ek2 is an ek shape civic with the 1.4 D13 engine.

Is that not an ej9?

ION08

Toyotafanboi wrote: »

Is that not an ej9?

Ek2/3/4 is 1.4/1.5/1.6 afaik?

shietpilot

EK2 is 1.3

EJ9 is 1.4

The hatches go like this:

EJ9 (1.4L SOHC model),
EK1 (1.5L SOHC VTEC-E model),
EK2 (1.3L model),
EK3 (1.5L SOHC VTEC-E model),
EK4 (Japanese SiR, European SiR and/or VTi),
EK6 (Japanese 1.6L SOHC model),
EK7 (Japanese 1.6L SOHC model),
EK9 (Japanese Type R).

Colin.JDM.

I was advised today to get a 1.3 g6 Rep what's insurance like on one of them what to look at when I go to see them ?

chriity139

Toyotafanboi wrote: »

Is that not an ej9?

ej9 is the jdm ek2 laaaaaaad. Fairly sure ek2 is irish/english

howardmarks

Colin.JDM. wrote: »

I was advised today to get a 1.3 g6 Rep what's insurance like on one of them what to look at when I go to see them ?

Nobody can tell what figure you will be quoted as with your age and other factors you're going to be hit massive. Pick a number between 1 and 4000. And double it.
Type some details into the sites online or try a broker.
As for what to look for unfortunately most cars you go and see will have the bo#### driven out of them. You're looking at decent money IF u can find a looked after one
Best advice given here is start with a low insurance group car like a micra or yaris, get your licence and go from there

Lad

LawlessBoy

chriity139 wrote: »

ej9 is the jdm ek2 laaaaaaad. Fairly sure ek2 is irish/english

Othere way around I think

OriginV

If you wanted id say you could get the Aviva accompanied lessons + 6 moths insurance if the policy holder you go on is with Aviva, only thing is though you are only insured when the original policy holder is with you.

challengemaster

Business Cat wrote: »

Firstly, you are talking about driving other cars, not open drive.

Most insurers won't give driving other cars to anyone under 25.

.

I've never had a policy state you have to be over 25 for third party extension. Ever.

Open drive is always 25+.

9935452

challengemaster wrote: »

I've never had a policy state you have to be over 25 for third party extension. Ever.

Open drive is always 25+.

For driving of other cars , eithre you have it or you dont,
Age has never been mentioned in my policys and i always had it on mine from 19 onwards.
Regarding open drive. Normally 25+ but not always. A company i worked with had a jeep that was 18+

OriginV

9935452 wrote: »

For driving of other cars , eithre you have it or you dont,
Age has never been mentioned in my policys and i always had it on mine from 19 onwards.
Regarding open drive. Normally 25+ but not always. A company i worked with had a jeep that was 18+

They probably had the jeep for anyone 18+ because it was the company policy for employees

JohnBoy26

chriity139 wrote: »

ej9 is the jdm ek2 laaaaaaad. Fairly sure ek2 is irish/english

The ej9 is the European variant with the d14 engine. The ek2 is a JDM model with the d13 engine.

Dr Turk Turkelton

Have absolutely nothing to add to this thread but just wanted an opportunity to say lad online.
Lad.
I'm happy now.

To Elland Back

9935452 wrote: »

For driving of other cars , eithre you have it or you dont,
Age has never been mentioned in my policys and i always had it on mine from 19 onwards.
Regarding open drive. Normally 25+ but not always. A company i worked with had a jeep that was 18+

It won't be a policy condition, it just won't be included as a policy benefit for the majority (not all) of under 25s taking out a policy

Squidgy Black

To Elland Back wrote: »

It won't be a policy condition, it just won't be included as a policy benefit for the majority (not all) of under 25s taking out a policy

Yeah I've been trying to find a policy myself who does it just for handiness sake with the parents cars etc, all over 25 for third party extension.

challengemaster

_Tyrrell_ wrote: »

Yeah I've been trying to find a policy myself who does it just for handiness sake with the parents cars etc, all over 25 for third party extension.

You must not be trying very hard - liberty do it. Quinn prior to that, I had TPE from 17 with quinn. AIG also do it.

Squidgy Black

challengemaster wrote: »

You must not be trying very hard - liberty do it. Quinn prior to that, I had TPE from 17 with quinn. AIG also do it.

Liberty told me it's over 25s only now, and AIG wouldn't quote me at 21.

shietpilot

_Tyrrell_ wrote: »

Liberty told me it's over 25s only now, and AIG wouldn't quote me at 21.

Must be a new thing.

When I was getting my renewal in September, Liberty offered a policy with driving of other cars (I'm 20) but the policy was about €300 dearer than the cheapest policy I could find and it wasn't worth it, IMO.

Foxhole Norman

_Tyrrell_ wrote: »

Liberty told me it's over 25s only now, and AIG wouldn't quote me at 21.

I've had it with Aviva since I was 19, they're only stipulation was a full licence for two years I believe.

Squidgy Black

shietpilot wrote: »

Must be a new thing.

When I was getting my renewal in September, Liberty offered a policy with driving of other cars (I'm 20) but the policy was about €300 dearer than the cheapest policy I could find and it wasn't worth it, IMO.

Might just be me so, they'd only offer me third party and theft and not fully comp anyways.

Liam McPoyle

challengemaster wrote: »

I've never had a policy state you have to be over 25 for third party extension. Ever.

Open drive is always 25+.

When I worked in the broker market (I'm out of it 3 years) I think AXA were the only company that gave DoC to drivers under 25 and with a full licence. All others exclude it. The company I'm working for now specifically excludes DoC for all drivers under 25.

Vicxas

The days of laaaaaads picking up Civic's when they're 17 is long gone, you need to sadly focus on the Yaris, Clio route for a few years....

Asmooh

ION08 wrote: »

Its not an ek4 laaaad.


An ek2 is an ek shape civic with the 1.4 D13 engine.

D13 can never be a 1.4

D13 is 1.3.