Smooth Hound
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insurance on youngsters for carsive just picked up an ldv 400 for my son, and the insurance on vans is alot less for youngsters, just thought id pass it on, 1000 pound for an escort, 460 for a van, no ncb, 21 yrs old, with points.
and thats fully comp,
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kimmie
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thanks SH...my son is looking for his new car...will pass on this info to him!
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Townie
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I've moved this one over to the garage 
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IainC
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TBH, I don't think I could afford to insure a car if I wa a youngster again. All cars seem to be ridiculously high premiums to insure, but the think that I found funny/sad is that an older model of my car, for a 19yo, would cost in excess of £4000 to insure for a year (if they would actually insure them in the first place) and that's WITH NCD/NCB.
Heard about a guy at work, whos son was going to be almost twice the price of his girlfriend to insure something much the same as well, so I guess it helps to be female when you first start out driving (at least from an insurance PoV  )
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Smooth Hound
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yes i know that its youngsters that drive fast, but not all of them, it does seem unfair, starying off in life, probably on a low wage, and having to pay all that too get to work, my son has three kids and a wife, needs a car, and has to pay 1000 pounds to insure a small car.
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Dale
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We have just renewed our policy on a multi car one, this means that our young son has insured his skyline for £400 instead of £1200 he is also insured for all our cars and it also means I can take the skyline out for a blast it might be worth a look
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IainC
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| Dale wrote: | | We have just renewed our policy on a multi car one, this means that our young son has insured his skyline for £400 instead of £1200 he is also insured for all our cars and it also means I can take the skyline out for a blast it might be worth a look |
I looked at the multicar policy for our cars at one point (Impreza STi, Leon Cupra TDi and an lpg'd Discovery V8i[1]) and TBH, it was a couple of hundred pounds DEARER than insuring them seperatly. Was quite surprised. Then again the whole "confused.com" type adverts are never ever cheaper for me either.
£1200 for insuring a skyline either means he's quite young or it's well modified?
[1] - Which I don't insure now... esp seeing as it's slowly becoming one with the earth again in our garden 
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Tartan Stamper
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My 18 year old son is away to buy an Audi A3 1.8i.
I used moneysupermarket.com.
Everyone else £1800+ got it for £600.
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Smooth Hound
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that is good  and audi 1.8i is that just on his own with no, no claims. 
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Tartan Stamper
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He is a named driver on the policy, £600 tpft £729 fully comp.
But worth it since it is a an 02 plate he is buying.
Compare the market - not cheap.
Moneysupermarket best rates- Admiral Cheapest
Then Barclays at £1008
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Tartan Stamper
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Son went for the Audi A3 1.8 turbo quattro
TPF&T £842 £1002 Fully Comp.
That was with Admiral, each driver earns their own NCD
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IainC
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| Tartan Stamper wrote: | Son went for the Audi A3 1.8 turbo quattro
TPF&T £842 £1002 Fully Comp.
That was with Admiral, each driver earns their own NCD |
<gulp> an 18yo, with a 180-200bhp AWD car...
Bear in mind that while everyone gets a NCD on those types of policies... if he stacks it and you claim then the MAIN driver loses their NCD as well, not just the person driving it.
As a 17yo when I passed my test I was bad enough in a 70bhp Metro 1300S, TBH, probably wasn't that much better as a 21yo in a GTi, let alone something that powerful as an 18yo.
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Tartan Stamper
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Nah he is sensible, all his friends say he drives like a granny.
Must admit very surprised he would get insurance for a car like that.
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IainC
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| Tartan Stamper wrote: | | Nah he is sensible, all his friends say he drives like a granny. |
I know a couple of blokes who's grannys were mental
One of the guys was offering an Impreza Turbo for sale... had been owned by his granny since new... we thought she'd given up driving now hence her selling it, but no, she'd upgraded to a 3.2 Audi A3/S3 with the twin clutch thingy 
Would be worth trying to get him on one of those AcciDONT type courses... they are FUN as well as being quite useful for findout out about car control and how it reacts with/without ABS, etc. AWD is good for grip, etc but if/when it bites it can react differently to a FWD car (or RWD, but I'm assuming he's probably never driven a RWD car).
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Stonehead
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Late last year, a lady in the village was telling me her twins were getting quotes for an S-reg Peugeot 106 1.1. Both had just turned 18.
Girl, £800
Boy, £2300
The car was only worth £1500 or so.
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Tartan Stamper
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| IainC wrote: | | Tartan Stamper wrote: | | Nah he is sensible, all his friends say he drives like a granny. |
I know a couple of blokes who's grannys were mental
One of the guys was offering an Impreza Turbo for sale... had been owned by his granny since new... we thought she'd given up driving now hence her selling it, but no, she'd upgraded to a 3.2 Audi A3/S3 with the twin clutch thingy
Would be worth trying to get him on one of those AcciDONT type courses... they are FUN as well as being quite useful for findout out about car control and how it reacts with/without ABS, etc. AWD is good for grip, etc but if/when it bites it can react differently to a FWD car (or RWD, but I'm assuming he's probably never driven a RWD car). |
What is a twin clutch thingy when it is at home? 
Never heard of that before.
I will try getting him on one of those courses,thanks for the info.
Just read the previous post, not that is not fair, very prejudice against boys.
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IainC
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VAG developed a twin clutch thing where it works out what gear you are likely to want next based on engine speed, gear you are in, road speed, etc and pre-selects the next gear for you, so when you flick the button you are instantly in the next gear. Makes for a very fast gear change.
Generally only available on the larger engines I think, although I believe that they have maybe started putting it on the TDi engines as well.
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Smooth Hound
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i think there should be a second test for cars over about 70 hp, irrelevent of age, its mad to allow a 17 y old driveanything more powerful, its good he is sensible, but does he have the driving experience
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IainC
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| Smooth Hound wrote: | | i think there should be a second test for cars over about 70 hp, irrelevent of age, its mad to allow a 17 y old driveanything more powerful, its good he is sensible, but does he have the driving experience |
Yup, the system in place for the bikes is good. Pass your test under a certain age and you can only ride up to a 33bhp bike, once you have been riding for a couple of years you can then get your 150bhp R1 or whatever (or worse... the 200+ bhp Ducati MotoGP replica )
You'd maybe need to up the limit to 100bhp though 'cos you may struggle to find a 70bhp car these days
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Smooth Hound
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whats wrong with a fiesta 850
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IainC
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| Smooth Hound wrote: | | whats wrong with a fiesta 850 |
umm... whats right with it
Most TDi's are a min of 90bhp these days for the "cooking" models.
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Stonehead
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| IainC wrote: | | You'd maybe need to up the limit to 100bhp though 'cos you may struggle to find a 70bhp car these days |
The Peugeot 106 1.1 I mentioned has just 59hp. It was still expensive to insure (probably because it is a common beginner car and so gets pranged a lot).
Anyway, power to weight ratio is more important than outright horsepower, while the drive system (front/rear/AW drive) and gearing also have an effect.
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IainC
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| Stonehead wrote: | The Peugeot 106 1.1 I mentioned has just 59hp. It was still expensive to insure (probably because it is a common beginner car and so gets pranged a lot).
Anyway, power to weight ratio is more important than outright horsepower, while the drive system (front/rear/AW drive) and gearing also have an effect. |
True. Something that's often overlooked.
Eeek... just worked out my car has ~ 6 times the power of that Pug
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Smooth Hound
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and what for, my transit was 76 hp, and could carry just under 2 tons in it no bother, all this hp is just wasted really, but then again thats just my opinion, because if they made the law then the car manufacturers would accomodate the new market, you can rely on that. thats of course supposing they dont all go down the pan, you never know we might end up owning them as well as the banks
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Smooth Hound
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and the insurance companies
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IainC
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| Smooth Hound wrote: | | and what for, my transit was 76 hp, and could carry just under 2 tons in it no bother, all this hp is just wasted really, but then again thats just my opinion, because if they made the law then the car manufacturers would accomodate the new market, you can rely on that. thats of course supposing they dont all go down the pan, you never know we might end up owning them as well as the banks |
I know :oops:
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Stonehead
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| Smooth Hound wrote: | | and what for, my transit was 76 hp, and could carry just under 2 tons in it no bother |
While my Land Rover has 107bhp, weighs two tons, carries a tonne and tows another 1.5 tonnes—across the field. It can also pull out tree stumps, do the harrowing, pull the tattie spinner and be used as scaffolding. Try doing all that with a Skyline or an Impreza! 
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Smooth Hound
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its a big responsibility all this owner ship, i should get compensation for the stressed caused finding i own financial and manufacturing businesses that are losing money as fast as is possible, to be honest its an ownership i could do without,
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IainC
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| Stonehead wrote: | | Smooth Hound wrote: | | and what for, my transit was 76 hp, and could carry just under 2 tons in it no bother |
While my Land Rover has 107bhp, weighs two tons, carries a tonne and tows another 1.5 tonnes—across the field. It can also pull out tree stumps, do the harrowing, pull the tattie spinner and be used as scaffolding. Try doing all that with a Skyline or an Impreza! |
Mine is AWD as well so I'm fairly sure I could do most of it (assuming I had ground clearance)... only downside... no towbar
On the subject of power though, the old Disco V8 sitting in the garden puts out the exact same power as our TDi family car... shows how things have changed/progressed over the years.
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Smooth Hound
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progressed  got stupid more like
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IainC
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| Smooth Hound wrote: | | progressed got stupid more like |
Dunno... the TDi engine in the car is *MASSIVELY* cleaner and more fuel efficient compared to the old Rover V8i engine. Would imagine it'd have similar if not more torque as well, so I'd call that progress.
I do admit though that the power chasing (numbers wise) is a bit on the daft side though. I'd doubt whether any car really needs that much more than I have in the other car and yet there are plenty of cars that are produced with a lot more than that as std too.
Have never really understood why someone would need a 500bhp estate car for example, yet both BMW and Audi mach such a car (with V10 engines).
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Smooth Hound
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were talking about metal boxes that take you from a to b safely and comfortably, what is the point in using a 300 hp or whatever to do that, apart from anything its not very environmentally friendly, you could be pulling a 5 ton container box around the place with all that power.
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Smooth Hound
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its a bit like using a jcb to open a tin.
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IainC
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| Smooth Hound wrote: | | were talking about metal boxes that take you from a to b safely and comfortably, what is the point in using a 300 hp or whatever to do that, apart from anything its not very environmentally friendly, you could be pulling a 5 ton container box around the place with all that power. |
Just 'cos you have it, doesn't mean you are using it all, all the time.
A 70bhp van towing a ton won't be overly fuel efficient either IMO (or experience. The 160bhp V8 disco wasn't overly fuel efficient either (with or without a trailer).
The 160bhp TDi car however is massively more fuel efficient (almost always mid 50's mpg with occasional 60's), and that's even 4 up loaded for the weekend/week away.
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Smooth Hound
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i suppose thats right, im probably just being miserable
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Tartan Stamper
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My 18 year old has off road powerful quad bikes too, the driving instructor said he was the most safety aware driver he has had.
Thanks for the info on the clutch.
It is his money, he has had his heart set on an Audi A3 soon as he started his lessons.
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