View Full Version : Anyone 18/19 yrs old and insured on a valver?????
Im having real problems with insurance at the mo, im in the middle of a valver conversion and my insurance company (liverpool victoria) say they will not insure the engine.
Im 18 at the moment and have a years no claims, in june i will be 19 and have two years no claims.
Is in one else the same age and insured on a vlaver?
if so, who are you with and how much are you paying?
peester
17-12-03, 12:13 AM
with engine conversions i think most places go by the insurance group of the car the engines' out of, then in some cases, seem to take it one down. for example: i was 20 (and had only been driving 8 months) i had a 1.2i SXi nova (ins group 3) and i was paying CIS ?900 fully comp (no no-claims). i rang them for a quote for the car with a 1.4 mpi engine out of the sri nova. the sri is a group 7 he then said putting the 1.4 into my SXi will put it into group 5 insurance. so i was looking at around ?1200 tops.
im 23 now with 4 years full licence and 2 years no claims and im paying ?500 TpFT on my group 12 gsi, with fluxey. a corsa gsi is a group 10 so my planned 1.6 valver conversion may actually keep premium at same price.? who knows. if you want XE (2.0 valver) they're group 15/16. quite high.
dave.gsi
17-12-03, 12:25 AM
lol, 18! u nutter
im 21 and have decided to wait a bit longer for an XE.
did you not think of insurance before you started?
most places dont like 2.0ltr conversions till your 21.
Im with Liverpool and i had a 1.2i, 19, no NCB, driving for 1 year.
I then ASKED BEFORE doing my 1.6 conversion how much it would be, they said they put it down as a 1.2i with engine modifications. ?750 with ?450 excess, everything else is declaired, lowered, tints, body kit, sound system, alloys.
djp_y2k
17-12-03, 10:14 AM
A mate of mine had a valvered nova when he was 18, he always said it was insured, but I very much doubt the engine was declared.
you will be ok at 19, at 18? have fun but i cant help you there
when your 19 try
flux, HIC........ few others
then wait till 21, lmfao
can be done at 19/20 breeny has the LET at 20 for example with 2 yrs ncb and 8 points and that was abt a grand to insure :D
dan_mk1
17-12-03, 10:51 AM
can be done at 19/20 breeny has the LET at 20 for example with 2 yrs ncb and 8 points and that was abt a grand to insure :D
:o
Rick Draper
17-12-03, 11:09 AM
I had a valver when i was 18/19 its just a case of paying whatever you get quoted and living with it. Rick
can be done at 19/20 breeny has the LET at 20 for example with 2 yrs ncb and 8 points and that was abt a grand to insure :D
:o
Don't worry Dan, hes paying TPFT and has limited mileage. Also, not sure what his excess is.
Jim
dan_mk1
17-12-03, 11:27 AM
can be done at 19/20 breeny has the LET at 20 for example with 2 yrs ncb and 8 points and that was abt a grand to insure :D
:o
Don't worry Dan, hes paying TPFT and has limited mileage. Also, not sure what his excess is.
Jim
im tpft and limited mileage too! im paying 600! :roll:
ah well shit happens :(
wrigleys
17-12-03, 11:39 AM
Where the hell do you live then!?!?
I live in luton (not a nice place)
I'm with liverpool victoria and I've got a 1.6 nova (not a gte/gsi) and it's ?723 fully comp and I inquired about a valver and it was the same price!
I think they just like me! lol
dan_mk1
17-12-03, 11:47 AM
croydon! it aint too much of a bad area! (i live in the posh bit anyway :wink: :lol: )
Not to bad, my car got stollen from croyden :cry: :cry:
dan_mk1
17-12-03, 11:51 AM
Not to bad, my car got stollen from croyden :cry: :cry:
where abouts?
was it west croydon?
Warner village car park, so it sort of serves me right
dan_mk1
17-12-03, 11:54 AM
lol, pikey central!
NovaNeil
17-12-03, 12:10 PM
Yeah, My mates 19 and he pays ?1200 for his valver to be insured TPFT. Thats all mods declared with the car parked off the road and insured for ?3500
Yeah, My mates 19 and he pays ?1200 for his valver to be insured TPFT. Thats all mods declared with the car parked off the road and insured for ?3500
Ive got a mate thats 19 and pays 2800 on a vtr, How come thats so cheap is it all legal???
TPFT, fully comp? who cares unless you get an agreed value your going to get such a little payout its not wroth claiming IMO
you can still get agreed value on TPFT so if you trust your own driving and sum1 hits you or its stolen your sorted.
as for limited miles...... :lol: :lol: :lol:
min age for valver insurance these days is 19 and if u got a few yrs ncb it wont be to bad, if your 18 dont bother unless you enjoy 3k insurance premiums?
Don't worry Dan, hes paying TPFT and has limited mileage. Also, not sure what his excess is.
Jah garaged in a nice area, ?600 excess, TPFT, 3000 miles a year.
Cost was ?1125 if i remember rightly.
on my group 12 gsi
When i had my GSi insured with Flux they classed it as group 11 the same as every other insurance company in the land.
my nova wont be on the road till beginnin of next year anyway, and by then ille b 19.
so the valver wont be a real problem for me
TPFT, fully comp? who cares unless you get an agreed value your going to get such a little payout its not wroth claiming IMO
That is your opinion and personnaly I think it's the wrong attitude to have regarding Insurance. Fully comp insurance covers you for so much more. I've always gone fully comp and probably always will. Piece of mind, plus I know I'm covered for anything. I also pay a low Insurance which means I can afford luxuries such as NCB Protection, I also pay very little excess, which alot of people don't take into consideration when getting Insurance.
It's up to the individual on what Insurance they go for.
Jim
Elgan i thought you were fitting a 1.8 8v?
I can't get quoted at 18 for a 1.3 with a 1.6 GSi engine :? so what shall i do?
Ring around and not people like direct line or cornhill.
Or ask the brooklyn clan :lol:
Gazza14SR
17-12-03, 03:27 PM
on my group 12 gsi
When i had my GSi insured with Flux they classed it as group 11 the same as every other insurance company in the land.
I got a quote for a corsa gsi with elephant and got a quote cheaper than what i pay on my 1.4sr with cis! i pay over 1200 with cis for my 1.4 nova and elephant wanted a medioca 1050 for the corsa gsi.
For some reason elephant have the corsa gsi as a group 8 car.
TPFT, fully comp? who cares unless you get an agreed value your going to get such a little payout its not wroth claiming IMO
That is your opinion and personnaly I think it's the wrong attitude to have regarding Insurance. Fully comp insurance covers you for so much more. I've always gone fully comp and probably always will. Piece of mind, plus I know I'm covered for anything. I also pay a low Insurance which means I can afford luxuries such as NCB Protection, I also pay very little excess, which alot of people don't take into consideration when getting Insurance.
It's up to the individual on what Insurance they go for.
Jim
ncb protection is only an issue for a few ppl on this site, you have to have 4/5 yrs ncb to do this. Covered for anything is true, if you crash and its your fault you can claim but for what? a 1.4 SR valued at around 700 pounds (only agreed value will make this different) with a "low" excess of i dont know ?200? means you end up with ?500 max, better than a kick in the teeth but if you reverse into a lampost these days in a nova its a write off.
dont get me wrong i understand what your saying its up to the individual person to decide i guess while weighing up excess and increased cost for comp premiums etc.
ill prob end up eating my own words and go fully comp when i renew, lmfao :)
You can protect 2 years NCB.
A lot of companies will offer cheaper premiums for fully comp due to the fact if your 3PFT then you obviously dont care about your car and will not take care, whereas people with fully comp are obviously going to take more care (not my personal opinion but that of insurance companies).
My Golf GTi 16v group 16 is cheaper to insure than my Nova GSi for this very reason.
I have evn been offered cheaper insurance on the GSi than compared to my GTE, cant see how but i was.
To be honest, im in no rush to get the valver finished, so i might as well take my time and insure it in june when i am 19 and have 2yrs no claims.
Finish it when your 25 will be loads cheaper.
beatin u
17-12-03, 06:52 PM
my nova gte 16v cost me ?860 to insure when i was 19 and 1 year NCB
Slatter
17-12-03, 07:26 PM
Well im 20 .. and a half !!
Driving 3 1/2 years
3 Years NCB
With Hic
Agreed value 3k
3k miles a year
2l 16v
All mods declared ... ( Alot of them!!! )
734 TPFT Standard
1250 Fully comp
or 670ish Classic TPFT
I insured my valver when I was 20 for ?700 tpf&t with 3 years ncb.
It can be done as i've got the worst postcode in the country but the no claims do help a lot. Premium on my car now would have been ?2100 without the ncb but its ?900 tpf&t with!! Also got protected no claims on tpf&t on mine through Adrian Flux.
HIC wanted ?2600 tpf&t :lol:
dave.gsi
17-12-03, 11:40 PM
liverpool victoria gave me a cheaper quote for a gsi than a gte.
i wanted a gte at first but it would have cost me about ?60 a year more?
mk1 aggressiveness :wink: :lol:
Ive just brought a valver and im 19 with two years no claims, ive managed to insure it TPFT for ?1300 through adrain flux thats with everything declared, its got to be one of the fastest cars you can get at our age for the money.
peester
19-12-03, 01:34 PM
..and u've got to be one of the luckiest guys you can get in this day and age.
dave.gsi
20-12-03, 01:04 AM
wont be lucky when he smashes it into a tree :roll:
2litreturbo
20-12-03, 09:56 AM
I drive c20let and i pay ?1100 fully comp with all mods reclared to liverpool victoria. I've been driving 3 years with 0 no claims.
I spoke to them about it anonymously and they told me that they base the premiun on the original car but modified. Not on the insurance group of what the bits came out off.
So i started with a 1.0 base model nova did a full body kit, alloys, 2.0 conversion, stereo, buckets, roll cage, everything and it went up by ?75.
Then when i changed to the turbo with all the same mods done, it went up ?60 because the car was originally a 1.2
With Liverpool Victoria it is a case of
Engine mods = +5%
Body Mods = +4%
Wheels + Suspension = +3%
etc (only estimates)
trying to buy a 2.0 16v xe cant get much sense at the moment
also, a chap i know has written off his much beloved corsa cdx 1.4 16v 14,000 fsh miles, so im trying to buy that
im still up for buying the xe, but i may bit the 1.4 16v for a bit, and xe my 4 door saloon :evil:
that liverpool victoria sounds intresting purple nova, how old are you then? or is that irrelevant. also, with 0 yrs no claims, does that mean youve claimed before or just come off a named driver policy with 0ncb?
that type of policy with LV no longer applys due to the large amount of 18 and 19 yr olds driving around in a 1.0 nova with "engine mods" (e.g. a LET) and the large claims so you cant get insurred on a valver until 21 or 25 with them now unless you have an exsisting policy.....
*waits for ste to remind uis of his ?230 valver premium with LV*
for those that dont know he is 25/26 with full ncb so dont get any ideas, pmsl
for those that dont know he is 25/26 with full ncb so dont get any ideas, pmsl
And the rest :lol:
nova m@rk
20-12-03, 05:37 PM
grands for 16v's u lot should think your self lucky im only 17 for my 1.3sr
agreed value ?400!!! tpft ?1600 WTF
Ric 16v
20-12-03, 09:31 PM
when I rang adrian flux for a quote on a 1.4 sr under my own name at 18 I was quoted ?2000+ FOR AN SR and I couldnt get insured on a gsi untill I was 21 but I could get insured on a 2.0 16v tpft with all mods declared for ?1400 (just over) when im 19 with 0 years no claims and to be honest thats cheap well I think so anyway
I drive c20let and i pay ?1100 fully comp with all mods reclared to liverpool victoria. I've been driving 3 years with 0 no claims.
How come in the for sale section your car is a 2.0l 8v then?
Engine:
20SEH High torque from Cavalier SRi 130, Carquip driveshafts and uprated mounts, K&N Induction kit, Custom twin DTM system from manifold back by Pipecraft.
:?
Aragorn
22-12-03, 10:54 AM
lv DO still do those policies
my mate, me and mike oxford all have similar policies and are all only paying slightly more than a base model car
my mate only got his done about a month ago and he was a new customer at 18 with a 1.4sr engine in a 1.2i - they insured it as a 1.2i with engine mods
that IS their policy - thats the way they do things - they'll just refuse to do it alltogether if its too risky - ie 18yr old on 2.0 16v
a2lt16v
22-12-03, 12:25 PM
HIC
800 FULLY COMP
21
lv DO still do those policies
my mate, me and mike oxford all have similar policies and are all only paying slightly more than a base model car
my mate only got his done about a month ago and he was a new customer at 18 with a 1.4sr engine in a 1.2i - they insured it as a 1.2i with engine mods
that IS their policy - thats the way they do things - they'll just refuse to do it alltogether if its too risky - ie 18yr old on 2.0 16v
That may be true, but you better make sure the under writers dont find out, because when they do, they will stop your policy and refund the money.
Trust me, i speak from experience!!!!!!!
I would not trust lv policies as far as i can throw them!
you wont get any money back regarding the modifications, you may be insured against third parties, but even with fully comp cover you'll still only be reimbursed against the book price of a nova i.e. about ?400-?600
i spoke to a guy at LV at length when i was insured with em, I was only insured TPFT so i wouldnt have got anything back anyway, but anyone with a fully comp policy wont get anything back in the event of a claim
Aragorn
23-12-03, 11:12 AM
in all 3 cases we were put on hold while they checked with the underwriters
ours aint valvers (1.6t40, 1.4mpi and 1.4sr) but the point is the still do those policies - they are just much tighter on who they will allow to get them which is why they go speak to the underwriters who will either say yes or no
and yer the car is only insured tpft - they wanted ?90 more for FC and it had a ?450 excess - the car prolly aint worth ?450 so i'd get bugger all back
Ste_Nova
23-12-03, 11:22 AM
you wont get any money back regarding the modifications, you may be insured against third parties, but even with fully comp cover you'll still only be reimbursed against the book price of a nova i.e. about ?400-?600
lol claim for a ?1000 nova and risk my 9 yrs ncd... no thanks
yeah thats the point im making, its fine if all you want is an insurance certificate and you sort your own losses out
Austin_Nova16
23-12-03, 06:21 PM
(sorry couldn't be arsed to read the previous posts)
I had a valver at 18, and a mate had a 2wd saph cossie at 18.
Just buy a shitter to insure, and then get the nova insured by an older person (mum, dad, bro, sis, aunt, uncle). With CIS/elephant and a number of other compnays you can drive any car with the owners permission. I know that with CIS I only needed TPF&T. Cost me a total of ?900 odd at the time. laaaavly!
wrightster16
01-01-04, 04:48 PM
I'm 19 and own a xe powered sri. i'm paying ?1200 with flux. with other mods declaired as well. they were very help full just ring them. just make sure the brakes and sus are also sorted. and they need a approved alarm and imoboliser
This subject always confuses me.
I had a g plate mr2 gt for about 1 year there, i transferred my policy onto my gsi engined nova for the remainder of the policys life, i was paying around 2 grand for the insurance but the mr2 was in my family and i bought it from my dad for a very good price.
The price i paid to buy, lighty modify and insure and run my mr2 was a hell of a lot less than what these numpties are forking out to get a new corsa sxi from vauxhall with a years free insurance!
So im now building my first valver which i intend to spend about 2 grand on, and 1500 quid max for insurance from my broker.
Three and a half grand for a car that performs like that?
Or the "cheaper" corsa sxi/saxo for about 7-8k?
I had the mr2 from my 18th birthday and im now 19, 20 in a month.
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