ek civic insurance

Colin.JDM. · 29-12-2015 06:02PM #1

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 · 29-12-2015 06:07PM

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

challengemaster · 29-12-2015 06:10PM

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 · 29-12-2015 06:15PM

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 · 29-12-2015 06:34PM

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. · 29-12-2015 06:52PM

Shes a 1.4 00is the year

Squidgy Black · 29-12-2015 07:02PM

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

punisher5112 · 29-12-2015 07:07PM

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 · 29-12-2015 07:09PM

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 · 29-12-2015 07:10PM

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

pablo128 · 29-12-2015 07:10PM

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 · 29-12-2015 07:11PM

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. · 29-12-2015 07:19PM

What insurance companies would cover me as under a named driver

bazz26 · 29-12-2015 07:22PM

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 · 29-12-2015 07:26PM

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 · 29-12-2015 07:30PM

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 · 29-12-2015 07:34PM

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 · 29-12-2015 07:35PM

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 · 29-12-2015 08:11PM

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 · 29-12-2015 08:14PM

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 · 29-12-2015 08:38PM

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 · 29-12-2015 08:40PM

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 · 29-12-2015 09:52PM

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. · 29-12-2015 11:01PM

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 · 29-12-2015 11:05PM

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 · 29-12-2015 11:08PM

Colin.JDM. wrote: »

It is ek4 lad

Ah lad, lad.

Lad

ION08 · 29-12-2015 11:20PM

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 · 29-12-2015 11:21PM

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

Toyotafanboi · 29-12-2015 11:26PM

ION08 wrote: »

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

Is that not an ej9?

ION08 · 29-12-2015 11:32PM

Toyotafanboi wrote: »

Is that not an ej9?

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

shietpilot · 29-12-2015 11:40PM

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).

ek civic insurance

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