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Nats Whiskas
10-05-10, 04:39 PM
Silly insurance companines!! Looking at a ZS turbo diesel to replace the 120, since its now sold (yipee:trampoline:)

Insruance though, :no:, becasue im 18 but 19 in june. The cheapest i have found as just me cos im wanting to build up my ncb now is £2001.68 pence with admiral.

So a question for the "younger" members is who are you all insured with and what are you paying at the moment? who is good for the younger driver?

Cheers
Phate
10-05-10, 04:45 PM
Adrian Flux
A-plan

Both are good for young people on what are known for 'racey' cars. What you'll probably find though is you have to pay through the nose for your first year then the 2nd year it'll be uber cheap.

For example.

Had a 180 when I was 20, insured it for £1700 through Adrian Flux, 2nd year, with an extra years no claims (and turning 21) it dropped to £600
Maxxed_Ross
10-05-10, 04:52 PM
Elephant were always cheap for me until recently, been with them since I was 18

I was just over £800 at 2 for my old Mk2 180 with them
Stephen
10-05-10, 04:57 PM
Quinn Direct, 17 on a 1.6 ZS. its around the 1600 mark.
p_b82
10-05-10, 05:29 PM
although i would be a little wary of quinn direct as i had read they were not taking on new business as they had gone bust...

directline was cheapest for me, but until i hit 21 was about a grand tpft iirc. (not on the ZS on a vauxhall belmont and then a pug 205 denzel
Bobdope2002
10-05-10, 06:04 PM
take ya pass plus then go with Norwich union

I was Originally Qouted £1900 for a Rover 414 when i was 18 took my pass plus it went down to £800

Never paid anything higher than that on any of my other Zeds

roll on november i turn 25 and then its cheap insurance time
Southside_ZS
10-05-10, 06:35 PM
Im 23, Pay £1010 for trade insurance, can drive absolutly any car on the road fully comp except super cars, I can still drive them but third party only.
RudeDogg1
10-05-10, 07:26 PM
try sky ins
peterzs
10-05-10, 07:46 PM
Wow, can see now why so many uninsured cars are running around. Crazy prices, think when I started driving I was a named driver on my dads insurance.

Suppose thats been stopped now.

:ohmy::ohmy::ohmy::ohmy::wave::wave:
Tom163
10-05-10, 08:20 PM
I'm 19 nearly 20. Paying £1960 ish fully comp, 0 NCB, 3 points and in a dodgy area. ZS 110 MK2 by the way.
Dave MGT
10-05-10, 08:21 PM
Im 23, Pay £1010 for trade insurance, can drive absolutly any car on the road fully comp except super cars, I can still drive them but third party only.

What company are you with mate? been looking at trade insurance myself.
Alan.F
10-05-10, 08:33 PM
Just got my son insured on his ZR105+ most companies wanted 6k plus finally got it for 2k with a company called ICUBE i think its called, he was with quinn direct but they are no longer allowed to insure UK based cars otherwise it would of been only £1200
Alan.F
10-05-10, 08:34 PM
Quinn Direct, 17 on a 1.6 ZS. its around the 1600 mark.

you better start searching around Stephen m8 Quinn are not allwed to insure anymore UK based cars :(
ZS Phil
10-05-10, 09:14 PM
Generally speaking ZSs are a fair bit more to insure than ZRs. Even with the same 1.8 120 engine the ZR is cheaper, wierd seen as the ZR is slightly quicker to 60 and looks more "boy racer".
You done a quote for a derv ZR with the same engine to see the difference?
Nats Whiskas
10-05-10, 09:20 PM
Generally speaking ZSs are a fair bit more to insure than ZRs. Even with the same 1.8 120 engine the ZR is cheaper, wierd seen as the ZR is slightly quicker to 60 and looks more "boy racer".
You done a quote for a derv ZR with the same engine to see the difference?

Not yet mate, but i love the zs's to much haha. But i will try Adrian Flux and A-plan tomorrow see what the best price is, im not buying it till im 19 and have had me lisence two years so im hoping like schutm that it will be a bit cheaper, anything under 1500 ill deffo take lol!:fun:
RudeDogg1
11-05-10, 04:58 PM
the most ive ever paid for any car ins was 450
WXM Matty
11-05-10, 07:01 PM
I always found more than to be the best (from age 18-20 on a ZR 1.4)

Just paid a switch over fee for the ZS so not sure on an exact price come renewal time.
Southside_ZS
11-05-10, 10:07 PM
What company are you with mate? been looking at trade insurance myself.

RoadRunner, Was only company that would insure me under 25. My first year was £1400 TPFT but 2nd year went down to £1010 Fully Comp
will-w
12-05-10, 08:27 PM
Adrian Flux, Sky and then Chris Knott - Do it in that order and play them against eachother!! :)

I paid £440 for a modified policy (decat, BMC CDA, 180 brakes) last June and I was 22 with 4 ncb.. Expecting it to be higher this year as I'm going Fully Comp - can't justify the possibility of loosing my 5 years no claims so need to protect it!

If however you don't care about no claims, or have none then I suggest getting TPFT and staying away from Fully Comp - lets face it; if you have an accident in a ZS then it's going to get written off anyway! :(
p_b82
13-05-10, 09:53 AM
A lot of the brokers wont touch you until you are either over 21 or in some cases over 25...
StragglaSteve
13-05-10, 10:13 AM
when i was 20 and first got the ZS 120 i went with Adrian Flux, they did me £600 fully comp with a £500 excess on 0 no claims and 0 modifications.

now i am 25, still with Adrian Flux, i get £500 fully comp with £200 excess on 5 years no claims and all modifications declared.

remember... the higher your excess, the lower the insurance charge! which with a car that can easily be written off by so much as a bird ******** on it... i figured taking the high excess to start was a good way to go :)
will-w
13-05-10, 10:14 AM
A lot of the brokers wont touch you until you are either over 21 or in some cases over 25...

I was insuring my highly modified and engine swapped Honda CRX with Flux when I was 17/18.. Although they may have changed their policy since!

As a side note I've been getting quotes the last few days as my policy is due to be renewed next month, I've been getting quotes £700+ to insure the derv, although I've not tried Flux/Sky/CK yet as the policy is up on the 18th so is too early
p_b82
13-05-10, 01:10 PM
I have not tried Flux.

I am afraid i have had 2 erports of them not paying out as much as they should for a write off; and been very difficult about it.

One was about 10 years ago and was brother in law, the other was a few months back from a good friend.

So for me that is enough to keep me from using them
StragglaSteve
13-05-10, 01:57 PM
I have not tried Flux.

I am afraid i have had 2 erports of them not paying out as much as they should for a write off; and been very difficult about it.

One was about 10 years ago and was brother in law, the other was a few months back from a good friend.

So for me that is enough to keep me from using them

each year i request an agreed valuation :)

just have to send off some photos and receipts and then agree an ammount of what they will pay out in the event of a write off. paid £3000 for m car 5 years ago, i have agreed with them £2500 this year :)
p_b82
13-05-10, 02:34 PM
ah that is cerianly interestring - a bit late to try that with hindsight though. (my friend is still fighting their offer 3 months after his accident!)
rozzr
13-05-10, 08:20 PM
Admiral are by far the best.

Focus ST 2.5t, 20 years old, 3 claims (2 own fault), 1NCB - £1900/year.
Flocka
16-05-10, 12:56 PM
I'm 22 I was quoted £550 (although monthly so I'm paying a bit more) with Adrian Flux for a ZS 120 with 4 years NCB. Although having said that, I opted to go TPFT just for this year. Fully comp would have taken it up to £800-900 and can't really afford that at the moment. I'll be paying more at renewal anyway because I'll change to fully comp.

My first car at 17 was a 1.3 MK2 Golf. I paid about £1300 on my Dad's insurance for that. Mad how much cheaper it gets in such a short amount of time.