View Full Version : 18 Yr Old With Redtop
custardcreams58
02-10-09, 10:28 AM
hi im 18 just almost finished my redtop build now its coming the time where i need to get insurance for it!!
treid sky, aidrian, performance direct all say i need to be over 19
does anyone else have insurance on a red top and are 18??
any other companys i can try??
craig green
02-10-09, 10:29 AM
treid sky, aidrian, performance direct all say i need to be over 19
You should have found that out 1st or be prepared to wait.
18 is rather young for a valver IMO. :)
MattBrown
02-10-09, 10:30 AM
No chance IMHO!
Why do you need a 2l at 18?
Cant you drive or something?
brake-dust
02-10-09, 10:31 AM
you'll struggler for anything under 3k tbh mate
custardcreams58
02-10-09, 10:58 AM
i already got a bmw for my first car a year ago just like novas put a redtop in it for fun!!
hc coupe
02-10-09, 11:07 AM
Insurance will be quite hard for you too find, even once you do they will sting you in the **** for it.
(2000+ all day long)
Good luck my friend, however you really should have looked into it before you started the conversion (unless you have a pile of mooooolaaaaa).
After trying alot of company's (including Sky) I found that HIC / FLUX where the best bet for me
£700 for a 1.6 16v @ 20 years , 1 ncb
custardcreams58
02-10-09, 11:12 AM
thing is tho they dont touch u 19s
Southie
02-10-09, 11:20 AM
When are you 19? Surely it's worth waiting until your birthday. A present to yourself perhaps.
General Baxter
02-10-09, 11:47 AM
mine was with flux, i said i dont care how much it is just cover me
deposit was something like £1000 and i think it was £550 a month lol
mine was with flux, i said i dont care how much it is just cover me
deposit was something like £1000 and i think it was £550 a month lol
Fool.
TBH, I can't think of any insurance companies that would touch you at that age on that car. Even Liverpool Victoria are a bit more conservative about conversions now as well.
I'd say wait til you're 19 then go from there.
brake-dust
02-10-09, 03:05 PM
just got a quote, 4k for me and im 18
hc coupe
02-10-09, 03:27 PM
Ouch....
Get your 1.2 out
craig green
02-10-09, 04:52 PM
I'd say wait til you're 19 then go from there.
BREAK THROUGH OR WHAT? lol
Seriously though, at £4000 a year for cover + the build cost. Is an XE'd Nova really that entertaining? I think not. :confused:
Infact the more I think about the price, I just can't get over it.
Anyone who pays over £1000 for a years insurence is INSANE !!!!!
BREAK THROUGH OR WHAT? lol
Seriously though, at £4000 a year for cover + the build cost. Is an XE'd Nova really that entertaining? I think not. :confused:
Infact the more I think about the price, I just can't get over it.
Nova - £200
XE engine conversion - £1,000
Insuring the nova - £4,000
Thinking you have a fast car then being beat by a guy in an Impreza who pays £300 to insure his car - £Priceless lol
novaowner999
02-10-09, 05:12 PM
Ouch....
Get your 1.2 out
BOOM!!!!!!!!!!!!!!! lol
Stanley
02-10-09, 05:14 PM
Just insure it as a 1.2:roll:lol
Just insure it as a 1.2:roll:lol
http://nsaney.com/pics/mj_popcorn.gif
custardcreams58
02-10-09, 06:04 PM
well what one was the 4000?? thing is i cant insure as a 1.2 because ive fallen out with a few peeps in my town and they already said they are going to tell the gavers that it is a 2.0!!!!!!
Anyone who pays over £1000 for a years insurence is INSANE !!!!!
Most people at 18-19 will and do.
thing is i cant insure as a 1.2 because ive fallen out with a few peeps in my town and they already said they are going to tell the gavers that it is a 2.0!!!!!!
So thats the only reason you are declaring it? Thats pathetic.:tard:
As said wait until your older or be prepared to be bottom burgled by insurance companies
Joe Richardson
02-10-09, 08:30 PM
Anyone who pays over £1000 for a years insurence is INSANE !!!!!
like Ben said most 18-19 year olds will pay more than a grand;)
I pay £1,900 for the sr and im 18 :)
Any sensible 18-19 year old would just get a cheaper car to insure. How much of that £1900 do you expect to see back in the event of a claim?
reid_em
02-10-09, 08:59 PM
i had a redtop when i was 17 and it cost me just over 1,000 for the year with norich union or should i say (aviva) now. i got pulled over loadz of times and the police always used to say it showed a 2.0 16v nova on there system so was all leigit. when i turned 18 i had a 2.0 16v turbo gsi astra wich cost me just shy of £4000 with my nine points declared but i must be honist was worth every penny lol . think you just might have to break the bank and pay it
so between being 17 and 18 and gaining 9 points you didn't get banned for the totting up rule being in your 1st 2 years of driving?
reid_em
02-10-09, 09:07 PM
i got six points when i was 17 for delivering chinease without buisness insurance but didnt have to declair on redtop until policy was due for renual. when i got me six points i lost me licence until retook both parts of me test and then i was given a full licence where i could have 12 points. and then when i just turned 18 got a nother 3 points for a bald tyre so yea thats the story. sorry if i have bored you and dragged it out but you asked!!:)
i got six points when i was 17 for delivering chinease without buisness insurance but didnt have to declair on redtop until policy was due for renual.
Tsk, any change in circumstances (that includes point on license) should be declared to insurance. If you had to claim during that period they could have withdrawn their cover and left you in the lurch!
custardcreams58
02-10-09, 09:14 PM
well i did phone them and that is what i was told. :confused:
custardcreams58
02-10-09, 09:16 PM
[oh and whats t.s.k
reid_em
02-10-09, 09:18 PM
oh and one more thing that was me who just wrote that haha went onto carls to cheack his mail and he wrote back to you for melol
Any sensible 18-19 year old would just get a cheaper car to insure. How much of that £1900 do you expect to see back in the event of a claim?
Exactly,remind me of the book price of one of those????
Say for examples sakes your 18 and trying to insure a Cavalier Redtop SRi
Book price-£300 for a fair condition
Insurance quote-£3grand+??
Pointless
Joe Richardson
02-10-09, 10:39 PM
Any sensible 18-19 year old would just get a cheaper car to insure. How much of that £1900 do you expect to see back in the event of a claim?
I dont want to be like everyone else and get i car everyone else has;)
None of my friends had a Fiat Uno when I had one.
Probably because it was sh!t mind lol.... but then so are novas :p
Joe Richardson
02-10-09, 10:51 PM
but then so are novas :p
erm i would disagree there;) lol
gez c16b
02-10-09, 11:10 PM
im paying £1500 insurance for my nova sri and im 18. worth every penny.
custardcreams58
03-10-09, 12:34 AM
all i want to no is there anyone out there with a redtop, 18 and what company it is with is there any ideas what company to try??
tbh if a 18 year old wants a 2lter nova and is prepared to pay the insurance why not? most likely the money would only get pissed up the wall.
I had an xe nova, i paid 1200 at 19 with 2 years no claims and was worth every penny. its now 700 at 21 with 4 years ncb
im paying £1700 for a 1L at 21 with 0 NCB
custardcreams58
03-10-09, 10:51 AM
gsi jimbo thats a rip off?? how come so expensive
I had an xe nova, i paid 1200 at 19 with 2 years no claims and was worth every penny. its now 700 at 21 with 4 years ncb
What was the spec on that? My insurance always seems to be silly expensive despite being in a good postcode (B) etc etc. Best I could do this year on my 1.6 was £975, that's 21 1 year ncb no claims/accidents/convictions. Was that a daily as well? I.E not limited mileage?
tbh, its looks like most 17-18 y.o are paying crazy money anyway, for 1.0/1.2's so £1500 for an SR might be worth the extra...but as for 2-3k for a XE, thats a joke!
Hi there im 20 and just got insured on a astra gte 16v with no years no claims,i was a named driver, with brentacre insurance and they let you modify your car in any way up to a bhp limit they are definatley worth a try
What was the spec on that? My insurance always seems to be silly expensive despite being in a good postcode (B) etc etc. Best I could do this year on my 1.6 was £975, that's 21 1 year ncb no claims/accidents/convictions. Was that a daily as well? I.E not limited mileage?
That was with adrian flux, always been good for me. Thats 5000miles a year tbh i probably went over the limit but they never asked for the milage when i changed my car so wouldnt of know what ive done anyway.
projctnova
05-10-09, 12:41 PM
i was happy with sky. £450 for a xe nova and i declared every mod including throttle bodies, roll cage etc. i am 25 though but when i insured it i was only 24
im paying £1700 for a 1L at 21 with 0 NCB
Funk!
craig green
05-10-09, 07:43 PM
Hi there im 20 and just got insured on a astra gte 16v with no years no claims,i was a named driver,
Technically not the way you should be insured if you are the main user. ;)
If you had an accident, any company would wriggle out of paying up.
mk1nova_rich
06-10-09, 12:19 PM
Try Richard Egger Insurance if you use your car for motorsport/trackdays...?!
Just insured my 1.3 SR for 880 fully comp. 19 with 1 year NCB as a named driver, insured for road rallying, autotesting and trackdays. 5000mile limted mileage. Premium doesnt change much when i put cage etc in next year
What is the named driver all about? It it like being on mummys insurance?
projctnova
06-10-09, 12:52 PM
yea people think you get cheaper insurance by being a named driver but the lack of no claims when you finally go it alone and the fact that if you are found to be the main driver then they wont pay out.
Ah thought it was something like that, so its a total wait of time.
Insure your car from the start, pay the money cause it saves you down the line..
projctnova
06-10-09, 01:03 PM
yea i paid high insrance and now i can insure pretty much anything at 25. Ferrari 612 scag - £1700 full comp haha.
custardcreams58
11-10-09, 10:28 PM
Anyone Who Is 18 And Got Redtop??
i was 18 with a cav gsi 4x4...£1800 if i wanted it right away, it went down to £1000 when i turned 19 so i waited the 2 months. i aint got a quote for when i xe the more door yet. but i was paying £280 fc with 3yrs nc @21 for my 1.3
SR-Rally
17-10-09, 08:13 PM
i pay 1300 with competition car insurance thats with every modification declared although they told me i don't need to notify them off bhp changes or other upgrades as my car is in top class as heavily modified. only thing i would need to inform them is cc for legal reasons. i'm insured liability for road rallys and road sections of stage rallys. but you ned proof of competing and my car is msa logbooked which helps. 5000mie limit but will never reach that in a year
Anyone Who Is 18 And Got Redtop??
You're still not getting this are you?
All the experience on this forum in insurance matters has pretty much already replied to you telling you that you will be lucky to insure an XE Nova at 18.
Also telling you that they know of no place that will touch you at your age.
SO..........
Do your own research you lazy little sh1t, or wait til your 19.
Simples!:thumb:
lol i thought you had to be 21 to insure any type of engine conversion.
craig green
19-10-09, 02:46 PM
You're still not getting this are you?
All the experience on this forum in insurance matters has pretty much already replied to you telling you that you will be lucky to insure an XE Nova at 18.
Also telling you that they know of no place that will touch you at your age.
SO..........
Do your own research you lazy little sh1t, or wait til your 19.
Simples!
:thumb:
These naive little boys could learn a thing or two from Vaughan IMO.
:thumb:
These naive little boys could learn a thing or two from Vaughan IMO.
Oh my, COMPLETELY agree!
its the i want it now generation that caused the mess this countrys in. dude, just wait, or, pay what they ask. there is no other way.
Angus Closier
19-10-09, 05:52 PM
Its not impossible I know lads who are doing it all legit! but im 17 and pay just over £2000 for a 1.4td polo a 2l redtop is not going to be cheap...just ring up and ask.....simple as.......I guess if your willing to pay £4000 your not just gunna go stack it? but I may be wrong....think people are a little harsh and really cant tell you what to do....but they have seen it all before...iv got a valver and its just for track use where i can get the full out of it! use your car like that on the road and you will stop having to pay insurance as you wont be on the road! but if you have the cash go for it......at the end of the day its up to you!
L33 LEG
19-10-09, 06:11 PM
why don't you get a list of the insurance companies and give them a ring? :wtf:
i paid £2k when i was 19, i couldnt get insured til i was 19.
chrisnovaturbo
19-10-09, 09:33 PM
Nova - £200
XE engine conversion - £1,000
Insuring the nova - £4,000
Thinking you have a fast car then being beat by a guy in an Impreza who pays £300 to insure his car - £Priceless lol
i used to beat imprezas in my nova red top?
chrisnovaturbo
19-10-09, 09:38 PM
oh yeah i paid £3100 for redtop insurance when i was 18 then when i changed it over to my turbo it was £3500. the renewal on my turbo was £1900 when i was 19. it was so high as i decleared every little bit on the car.
£3100 for a years insurance !?! That's crazy.
Are you insane ? Or just got rich parents ?
craig green
20-10-09, 12:02 PM
This insurance forum needs deleting IMO.
We are just being bombarded with dick-waving teenagers, too lazy to make phone calls.
Welsh Dan
20-10-09, 12:09 PM
This insurance forum needs deleting IMO.
We are just being bombarded with dick-waving teenagers, too lazy to make phone calls.
Oh hai, how much would it cost me to insure my merlin engined nova in my dads name, I'm 14? lol
£12.72 if you ring round :)
craig green
20-10-09, 12:10 PM
Oh hai, how much would it cost me to insure my merlin engined nova in my dads name, I'm 14? lol
Sorry, we dont cover chavs located in your postal code. :d
Welsh Dan
20-10-09, 12:11 PM
You must spread some Reputation around before giving it to craig green again.
craig green
20-10-09, 12:24 PM
You must spread some Reputation around before giving it to craig green again.
Thats what they all say! ;)
DW-Nova
13-12-09, 10:38 PM
Ha ha this thread is really funny ! As for the question in hand, like everyone else has said just ring around ! no one on this forum is going to be able to give you an insurance quote ! If you've got enough money/you are crazy then yeh you will find someone to insure you but why ? what's the point ? such a waste of money, i know that you'll be thinking nahhh, why not ? but trust me you'll look back at yourself in a few years and think why did i spend all that money on insurance. Secondly you've gotta understand why insurance is so difficult/expensive to find on a xe'd Nova at your age as it's an absolutley MASSIVE risk for any company who covers you !
craig green
13-12-09, 11:06 PM
Only last night I bumped into a lad I know that owned a Fearless 2.0XE Nova. Anyhow I hadnt spoke for ages he told me the 18yr old he sold it to had crashed it & was actually cut out of it. One sexy valver with mag features & bit of PNG history long gone. damien Pitmans old car for anyone that knew it.
MattBrown
14-12-09, 08:55 AM
Only last night I bumped into a lad I know that owned a Fearless 2.0XE Nova. Anyhow I hadnt spoke for ages he told me the 18yr old he sold it to had crashed it & was actually cut out of it. One sexy valver with mag features & bit of PNG history long gone. damien Pitmans old car for anyone that knew it.
If this is the one I saw pics of, it was a really really nice car, the white one with the chromeee cage?
DW-Nova
14-12-09, 07:34 PM
Exactly the point in case, your not experienced enough a driver by any means at 18 years old to be driving around in a 2.0 Nova, and this isnt coming from an old person as i'm only 21 myself.
Exactly the point in case, your not experienced enough a driver by any means at 18 years old to be driving around in a 2.0 Nova, and this isnt coming from an old person as i'm only 21 myself.
:thumb:
your not experienced enough a driver by any means at 18 years old to be driving around in a 2.0 Nova
You can't know this for sure, perhaps his driving skills are excellent and he has a very high level of sense. Or maybe not. :thumb:
Jon_nova1
14-12-09, 11:59 PM
lol I can't believe how much it is for people to insure a 2 litre nova
I have a mazda familia 1.8 turbo, its 4 wheel drive, puts out 200BHP and weighs around 1 ton, the 1.2 16V 07 corsa costs the same to insure as that lol
DW-Nova
18-12-09, 11:21 PM
/\ Yeh exactly, theres so so so many variables in insurance that it's not worth putting up questions like "How much is it going to be to insure ???" etc etc... as firstly no one is going to be able to answer your question and secondly stop being lazy and just ring up some different companys and get some quotes !!!
no one on this forum is going to be able to give you an insurance quote !
Ollie can :p
craig green
19-12-09, 12:45 PM
I have a mazda familia 1.8 turbo, its 4 wheel drive, puts out 200BHP and weighs around 1 ton, the 1.2 16V 07 corsa costs the same to insure as that lol
But what ratio of Mazda's to 1.2 Corsas end up ploughing through brickwalls & ditches?? :roll:
But what ratio of Mazda's to 1.2 Corsas end up ploughing through brickwalls & ditches?? :roll:
loads, them family or, "familia" you might say, car drivers are absolute maniacs, compared to the youth of today that actively embrace their inexperience in driving and are very careful.
custardcreams58
19-12-09, 01:08 PM
well ive had my xe nova and insured it as a 1.2 and crashed it into the centre res and look:
http://www.pngclub.com/forum/%3Ca%20href=%22http://s631.photobucket.com/albums/uu31/custardcreams58/?action=view¤t=DSCF0190.jpg%22%20target=%22_blank%22%3E%3 Cimg%20src=%22http://i631.photobucket.com/albums/uu31/custardcreams58/DSCF0190.jpg%22%20border=%220%22%20alt=%22Photobuc ket%22%3E%3C/a%3E
http://www.pngclub.com/forum/%3Ca%20href=%22http://s631.photobucket.com/albums/uu31/custardcreams58/?action=view¤t=CIMG2646.jpg%22%20target=%22_blank%22%3E%3 Cimg%20src=%22http://i631.photobucket.com/albums/uu31/custardcreams58/CIMG2646.jpg%22%20border=%220%22%20alt=%22Photobuc ket%22%3E%3C/a%3Ehttp://s631.photobucket.com/albums/uu31/custardcreams58/?action=view¤t=DSCF0190.jpg
http://i631.photobucket.com/albums/uu31/custardcreams58/DSCF0190.jpg
http://www.pngclub.com/forum/%3Ca%20href=%22http://s631.photobucket.com/albums/uu31/custardcreams58/?action=view¤t=DSCF0190.jpg%22%20target=%22_blank%22%3E%3 Cimg%20src=%22http://i631.photobucket.com/albums/uu31/custardcreams58/DSCF0190.jpg%22%20border=%220%22%20alt=%22Photobuc ket%22%3E%3C/a%3E
craig green
19-12-09, 01:12 PM
Hope you are joking?
Welsh Dan
19-12-09, 01:20 PM
The camber needs looking at on that thing!
custardcreams58
19-12-09, 01:26 PM
i think more t cut on the body work??
Royston
19-12-09, 01:53 PM
Court appearance due?
well ive had my xe nova and insured it as a 1.2 and crashed it into the centre res and look:
Who were you insured with?
Angus Closier
19-12-09, 03:12 PM
Not the most sensible thing to be saying on a public forum.....hope you didnt hurt anyone.....be lucky not to get Ass raped by the police/insurance....
custardcreams58
19-12-09, 03:17 PM
i am
18 yr old with a redtop.....
Think that pic just about sums it up!
Do hope your ok though....unlucky on it not being insured right, i do hope you get servierly moaned @ by the police etc for that. Will serve you right, cant afford it, dont do it..... simples....
looks like you did the looks a favour lol
Wrightie-Nova
19-12-09, 03:53 PM
Im 17 Mate And I Wanted To Get a XE for my First Car But Its Through The Roof :) i know a few people who have them and well worth waiting for :)
novajimgte
12-01-10, 05:19 PM
im 19 with 2 years no claims and its still 1300 with flux. Im just going to wait till im 20
im 19 with 2 years no claims and its still 1300 with flux. Im just going to wait till im 20
Have you tried Sky?
craig green
12-01-10, 08:02 PM
£1300 for a 19 yr old with an XE transplant & 2yrs no claims..?
That seems quite sensible in todays insurance climate.
xe_nova9
12-01-10, 11:15 PM
That is bloody cheap still, I got that quote for 1 years no claims at 19.
That £1300 is good if you are insuring the mods like brakes and suspension to go with that lump
MattBrown
12-01-10, 11:25 PM
I hope they jail you!
What if you had have hit a member of my family!
Or my gf?
Your a tool!
I hope they jail you!
What if you had have hit a member of my family!
Or my gf?
Your a tool!
I'm assuming thats aimed at the custardcreme bloke lol
I hope they jail you!
What if you had have hit a member of my family!
Or my gf?
Your a tool!
Dead people is gay regardless, he'd have had the same crash 1k insurance or 5k, Just don't do it, i've been resisting the urge for a while, i know even with doing it all by the book i'd come a cropper
sulphur
12-01-10, 11:45 PM
Directed @ custardcreme fella..
You're a complete funking tool mate.
Illegal insurance, posted on a public forum...
Seriously, WTF did you expect with a car that light, and that powerful with such little experience in driving?
Just f*cking lucky you didn't cause someone else serious injury. I hope you lose your licence.
Idiots like you shouldn't be allowed on the road!
I forgot who started this thread until reading back through, I love PNGs advice, it's usually right
novajimgte
13-01-10, 01:42 AM
Have you tried Sky?
no mate do you have there number?
no mate do you have there number?
If you become a club member you get a tasty discount with them that will make the £10 fee for the year more then worthwhile, they are club sponsors
well ive had my xe nova and insured it as a 1.2 and crashed it into the centre res and look:
:tosser: -rep
Hope they throw the book at you
no mate do you have there number?
0870 11 21 759
Or you can PM Ollie on here (username skyinsurance (http://www.pngclub.com/forum/member.php?u=31439), tell him RJ sent you :d)
As said though, if you join the club you'll be eligible for insurance discount - the £10 membership fee could save you far more than that :)
o.p should be permabanned imo, what if the vboa read this, insurance fraud commited and this thread and the o.p are still here...
MattBrown
13-01-10, 01:13 PM
o.p should be permabanned imo, what if the vboa read this, insurance fraud commited and this thread and the o.p are still here...
Yet again he speaks sense!
As, I believe insurance companies read forums, and as with most "Businesses" they have a single database!
So, admitting it on a forum, doesnt take a genius to work out who and when you crashed!
So you crashed, ok, we all make mistakes, but you could be doing 10 years now, for being "Above the law"
And the vboa thing, nova's have a bad rep anyway, and tbf, looking around some of the car shows, it doesnt take a genius, seeing 17yr old lads in c20let powered corsas and such;)
Personally, I think we need to remove the thread, and start the 18yr old one off again, as this is a topic that needs to be kept off the net:thumb:
thread title made me lol lol lol lol lol
o.p should be permabanned imo, what if the vboa read this, insurance fraud commited and this thread and the o.p are still here...
On the other hand, the thread serves as an example to those who think they can get away with an undeclared engine conversion.
Despite what some members may think, we're not a nazi state and whilst yes we could delete this thread and ban the OP, we can't be held responsible for his actions, merely voice our disapproval of it - which I think has clearly been done in this thread, some in slightly less articulate ways than others. Plus, insurance companies may well look on forums, but you can guarantee they'd have far better luck watching ebay for all the "still on logbook as a 1.2" adverts.
I'm closing this thread as no doubt it will descend into petty arguments which we don't want, but I won't be deleting it or handing out bans. Not saying anyone else might though lol
Powered by vBulletin® Version 4.2.5 Copyright © 2024 vBulletin Solutions, Inc. All rights reserved.