Lots of Money?

[coochiSR]

Im 18, No NCB, live at CM1. 1992 1400 SR, weber 32/34, Full system and Lowered, with alarm and imobiliser. Was insured with my Mum first of all as i was on provisinal and it was stupid money!

How much to reckon I'll pay for it and with who please?

[Mike]

At that age, same car, similiar mods i paid ?1400 F/C, then made 2 claims (stolen recovery & then a total loss for a ?7200 car) and it shot upto ?2400 TPFT

[coochiSR]

Ouch, mine's not worth F/C TBH, how much TPFT?

[Mike]

how much TPFT?

I had a bad week lol

[coochiSR]

I ment TPFT on mine :D , i don't believe that mine is worthy of f/c! ATM anyway

[retrimmer-oz]

i think if you declare all of that it will be quite high!im on provisional and paying ?1600 for f/c on a 1.2 flair!!with just wheels declared

[Jack]

CM1 is area A so low risk, thats a bonus. I think your hardest challenge will be to find a mod friendly company who will cover you - HIC are 19+ although I'm not usre about parent Flux. Try Admiral/Elephant perhaps.

[coochiSR]

?914, 10 month Bonus. Obviously plus interest, but i didnt think that was that bad. Me and Mum with Mods declared :D. With Elephant Btw

[Jack]

Bear in mind other insurance companies might not honour a years ncb earned on a 10 month policy

[ANDYRACER]

Im 18, been driving a year with 0 no claims.
On my 1.3 nova sr its ?1250 tptf with Quinn Direct.

[chrisdovey]

im paying 1400 tp with liverpoolvictoria on a 1.4sr

[Stuart]

TPFT is the sensible option for first time on yer own insurance. Add anyone to the policy who is over 25 and has a clean sheet etc they should bring the price down.

imho FC is a complete waste of time on a car that is worth less than about ?3K as you can sort repairs out for your own car on a 0% CC if nessecary and save the increase in insurance/lost NCB etc (assuiming you bin it on yer own lol)

also worth noting that if you pay monthly yes you get the easy option to bail out with minimal loss compared to paying in one lump, but you get charged lik 25% interest and they add VAT on (booo). If you can get one of yer folks to pay on a 0% CC and pay that off monthly and move it about then your laughing.

[Welsh Dan]

Actually Flux are going to charge me 5% more in total for spreading the payment over 3 months.