fiestaturbo.com

[FezzerMk4]

Hi, people. I just got myself a Mk fiesta 1.25 zetec but was quoted between £2,500 and £7,100 a year!!!!! More than the car is worth - by far! (and that is without any modifications!) How do you guys afford the insurance, are do you just not declare anything to the robbing g*ts?

I've tried selling the girlfriend on eBay but she wasnt to happy and wouldnt let me weigh her for the post and packaging

Cheers fellas.

[scotty_boy]

You bought a car without getting a quote first? Nice.

I'm guessing your young so you just have to bite the bullet. Try, Elephant, Admiral, Tesco, Norwich Union. They're normally ok. Crap service though

[FezzerMk4]

Yea, im 17 and been driving 3 months lol. Im with direct line at the mo on my dads insurance which isnt too expensive for now, but still building up my NCB at the same time.

Problem is that I've spoken to direct line and they say I can't modify my car what so ever untill im at least 25 years old! Thats like 8 years away!

[Oranoco]

Get a years NCB under your belt and then worry about the mods. You're bound to have the odd altercation with kerbs that jump out as they do when your 17.

Never never never fail to disclose mods to the insurance company. It will come back and bite you hard in the arse if you need to claim.

Being a young driver sucks the big one mate but all you can do is bite the bullet and get on with it. My bro paid £1400 to insure a 1200cc Nova third party

[Pez]

. My bro paid £1400 to insure a 1200cc Nova third party

They saw him coming!

[FezzerMk4]

Cheers guys,

So how much do you pay for your insurance? It takes the pee rolling around on my 13 inch wheel trims In the mean time i'll just have to save up my pennies for a while.

I'll be back!

[Oranoco]

I'm old mate so you don't want to know

[Jpex]

my friend has a fiesta 1.25 an he has one claim and his insurance is £1200 on his mums... im getting a 1.4 fez with 1 claim and no ncb and its £1600

[FezzerMk4]

So are they any modifications i can do what so ever without any problems insurance wise? I've sprayed a few bits n pieces in the interior, door handle surrounds, and heaters etc and was looking at a silver dash surround.

These wouldnt give me any problems would they???

[Oranoco]

So are they any modifications i can do what so ever without any problems insurance wise? I've sprayed a few bits n pieces in the interior, door handle surrounds, and heaters etc and was looking at a silver dash surround.

These wouldnt give me any problems would they???

A couple of painted up parts won't cause you grief. Sort some sounds and you should be fine. Where th einsurance companies will get arsey is when you start to lower it, put alloys on, fit exhausts and air filters and chip them. Then they get rather upset.

[titley]

I'm 17 and paying around £1200 on a 1.6 SI with CIS insurance (on my parents policy but no NCB). With CIS they won't charge me any extra for any visual modification- or any modification in fact- unless it alters the BHP of the car.

[Tweek]

1.4 CVH 5-door Ghia Mk3 (the one in the sig) in my name was £1300 TPFT as a new driver with no NCB. Insured with CIS.

[RoryT]

Matey, 2 words - LIVERPOOL VICTORIA - cheap as chips.



1st year of driving, male, aged 20, no NCB driving a 1.6 Fez SI. TPFT

£870

[Tweek]

I just tried liverpool victoria and quoted me £1500

Although the cost of insurance is fudgekin ridiculous, mine's going UP this year with no claims, extra mods etc, all because its insured for "any driver"

[fiesta_mk4_project3]

i've tried selling the girlfriend on eBay but she wasnt to happy and wouldnt let me weigh her for the post and packaging

Cheers fellas.

[Neptune]

£1400 fully comp for my fiesta 1.6 ghia, aged 18, 0 no claims bonus

[Tweek]

how did you get that fully comp at that price?

mine's a 1.4 Ghia with Thatcham Cat 1 alarm and TPFT its £1400

[:: blade ::]

im payin £1500 fully comp on a 1.4 ghia and im 20 with 2yrs NCB, just got a quote for a 1.6 SI for £890 fully comp

:: blade ::

[Tweek]

I hate you all

fair enough to you blade though, yours is fairly average but a 1.6 Ghia fully comp at 18 with 0 NCB at that price is just amazingly cheap.

[:: blade ::]

i know, i tried gettin insurance on a 1.6 when i was 18 and it was comming back as £2500 THF&T was mental, but im glad its cheaper now

:: blade ::

[shaboy]

if you're with direct line then you should have up to £1000 cover on ice (well i did anyway) so i just packed a load of that in my 205 when i had it.

i'm 20 and now got quotes for when i finish uni for the year and start my placement, down south, can get insured on 200sx 2lt turbo - standard for about £900 and thats with no ncb

but for a frst it was about £850 which shocked me a bit

thats with elephant by the way

[fiesta_si_bristol]

i know, i tried gettin insurance on a 1.6 when i was 18 and it was comming back as £2500 THF&T was mental, but im glad its cheaper now

:: blade ::

i found http://www.quinn-direct.com quite good (an irish compnay)
it was the cheapest i ever found at 17, no NCB, anf just passed test, TPFT here it is

1.6 16v mk3.5 si, value at £800- - 1,700 (no mods)
1.6 XR2I value at £500- 1,900 (no mods)

i am quite crazy at paying these prices but they were the cheapest i found, some ppl were quoting for my 2i over £3,000
lol

or even better go to http://www.confused.com or http://www.moneysupermarket.com and they will search lots of companys. (the addresses may be a lil diffrent, go to google)

[Jonezy]

titley
Senior Poster



Joined: 23 Oct 2005
Posts: 204

Posted: Thu Apr 13, 2006 11:00 pm Post subject:

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I'm 17 and paying around £1200 on a 1.6 SI with CIS insurance (on my parents policy but no NCB). With CIS they won't charge me any extra for any visual modification- or any modification in fact- unless it alters the BHP of the car.
liverpool vic is the same as cis in the way that they dont care about visual mods!

[fiesta_si_bristol]

so even if its a crazy spray job, flip paint they wont care>???? but will still payout if a crash??

[Tweek]

Only to the original value of the vehicle. if you're fully comp.

[mk3dean]

i pay £1495 a year for my 1994 mk3.5 1.3 fezz, but my mods r insured and im 18 so i dont think its too bad

[fiesta_si_bristol]

cool well i will have to ring up and see,

[transit]

98 1.25 zetec
20 years old no ncb -950 third party (f+t)
late starter only passed my test about two months ago

[Percy!]

You just have to bite the byllet and pay, as someone said above try liverpool victoria they got me thru my first year.

I had a 1.1 fez and all quotes where around £2000 except them who came in at £1400.

Now with a few years no claims I am insuring a saxo VTS at £1200, so things do get better.

[Fordy86]

im payin £660 a year tpft with elephant on a mk3.5 1.1 fez at 19 with 1 yr no claims, but its lowered 60mm, on alloys, aftermarket exhaust, £900 sound system all declared.

[FezzerMk4]

So when I do start some decent mods on my car and declare them - how much do you think they will increase my premium by?? Alloys, lowwering, exhaust etc.