Insurance Question for you 2.0 16v people

[big_steve_x]

ok, if ya don't know i'm driving around in a write off (cat c repaired), so i'm gonna split it next year, anyway, i wanna get a 2.0 16v, but i'm only gonna be 19 with 1years ncb next year, so i'm after names of companies who won't laugh when i ring em for a quote!, or is 19 too young to have valver power?? any advice welcome!

[dan16v]

im 19 and i have one but with only 1yrs ncb your gunna struggle! if liverpool victoria wont take you i think you better get a gsi! peps like adrian flux wanted around ?2000 from what i can remember im paying ?680 with LV every thing declaired

[Austin_Nova16]

I'm paying ?460 fully comp with LV at the mo, but you have to be 21 and a couple of years NCD.

When I was 19....I insured myself on a shitter (1st had a skoda estelle, a ?10 nova saloon, 1ltr polo, with CIS and was able to drive other cars with the owners permission TPF&T. I also payed for my old dear to be insured on the nova, and put it in her name.

Cost me a total of around ?750 - ?800 me thinks!

[dan16v]

you dont have to be 21 coz im not and im insured with them! its only if the car is grp 18 or over! so put the 16v in a 1.2 shell!

[Austin_Nova16]

oh.......bloody chinease wispers (sp) then! lol

[big_steve_x]

i've had 1 crash that was my fault and 1 that wasn't, ive heard LV won't take you on if u've had a crash? this true?. Also, LV take the car as the original one don't they?? i.e you put a 2.0 in a 1.0 and they insure it as a modified 1.0, lol or something like that!!

[Ric 16v]

my brothers mate got insurance for his 2.0 16v for ?1400 through adrian flux and he's 20

[Aragorn]

i just got insured by LV

no NCB, 18 yrs old

1 crash, my fault

Nova Saloon 1.2i, suspension mods, alloy wheels

plus me da as a named driver

?1100 TPFT

[Nova1.6]

i phoned up LV about putting a 1.4 in my 1.2i, they quoted me, with everything delcared and 1 Years NCB, ?680ish fully comp with ?450 excess, then i did it with the 1.4, it was summit like ?4 extra, If u put a bigger engine in the quote u for that size and just put on thier records that uve modified the engine. but u also have to tell the DVLA of cause!
Neil

[wisewood]

I am with Liverpool Victoria too...

22 years old...
No NCB due to accident, my fault last year.
N reg Clio 1.2 - no mods.
With factory alarm...
Living in what is considered a reasonably high risk area.

Somewhere in the region of about 1100 a year...
once i have 1 year NCB it will be around 750 though... so not too bad.

I understood it as being that you ahd to be 19 to be insured by LV - and over 21 if your car was above a certain insurance group ?
But I could be wrong.

[Ste_Nova]

i've had 1 crash that was my fault and 1 that wasn't, ive heard LV won't take you on if u've had a crash? this true?.

i had a not my fault accident where ?20k of damage was caused.... LV were ok with it cause it wasn't my fault

[wisewood]

oh yeah - LV were fine about my accident too - it happened before i phoned them - told them all about it and they were fine... just added to the premium coz I had no NCB.

Not quite on the same scale as ste's accident - only 1300 quid was caused in mine when i drove very gently intot he back of a Reliant Robin at a junction and all the fibre glass cracked and splintered - had to be reshelled i think. lol :D Load of crap they are.

[big_steve_x]

well i had a field day where i wrote a brand new ford focus which i was driving, and i wrote a renault megane scenic off, who i hit, no was injured though, and then recently i got rear ended in me nova, not my fault though!

[Nova1.6]

ahh rear ended, all too common when its not ur fault, i now hate old drivers.

[Ste_Nova]

i t-boned a golf at 70mph.....

the golf drivers first words..... "where did u come from i didn't see you"

6 month old vr6 :P

[wisewood]

good thing you weren't doing the 150+ statd on your avatar pic eh ste :D

[Phil_G]

That of course wastaken on a private road wisewood... No other cars about..



*COUGH COUGH*


Phil

[Ste_Nova]

closed section of the A55 if u have to know :twisted:

[Phil_G]

lol :D


phil

[wisewood]

course it was ste - course it was...

I reckon you were on the M42 at about 6:00pm really... weaving through heavy traffic :lol:

[Ste_Nova]

it was... the road was closed for resurfacing and i was working for the free recovery company

[wisewood]

so you thought - i know - i'll get the valver out and thrash the tits off it and see just how fast it really does go... :D

VERY good idea.
wish i could do that :(
... need a car worth doing it to first though...
110 in the clio is just a load of pants.