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Sporty car insurance

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chris-red
Have you considered a TDM?



Joined: 21 Sep 2005
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PostPosted: 11:17 - 23 Dec 2015    Post subject: Sporty car insurance Reply with quote
Next year I'm looking at getting a decent relatively quick car.

Current top of the pile is a WRX possibly even an STI from around 2006.

A quick look at insurance quotes are coming out about £1500, my fiesta costs £350~ so this is a bit of a shock.

I guess my question are there any tricks to getting cheaper insurance for a quick car? I was think £800 max for the insurance. I don't feel like I'm £1500 worth of risk.

I don't drive a lot and I just want a nice car for a period in my life so I'm not bothered about running costs such as fuel/servicing, but tax and insurance can't be ridiculous.
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Well, you know what they say. If you want to save the world, you have to push a few old ladies down the stairs.
Skudd:- Perhaps she just thinks you are a window licker and is being nice just in case she becomes another Jill Dando.
WANTED:- Fujinon (Fuji) M42 (Screw on) lenses, let me know if you have anything.
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Polarbear
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Joined: 24 Feb 2007
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PostPosted: 11:46 - 23 Dec 2015    Post subject: Reply with quote
What is an STI? According to Google you have been putting your todger in an unclean place Embarassed Laughing

I know a WRX is a Subaru Dance!
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kerr
World Chat Champion



Joined: 08 May 2011
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PostPosted: 11:59 - 23 Dec 2015    Post subject: Reply with quote
Shopping around or change your choice of car, scooby's tend to be driven by boy racers who inevitably wrap them round a tree, also once upon a time they were highly sought after by twocer's.
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chris-red
Have you considered a TDM?



Joined: 21 Sep 2005
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PostPosted: 12:10 - 23 Dec 2015    Post subject: Reply with quote
Polarbear wrote:
What is an STI? According to Google you have been putting your todger in an unclean place Embarassed Laughing

I know a WRX is a Subaru Dance!


That is what is putting me off getting one, even though they meant to be a fair bit better and insurance isn't any worse.
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Well, you know what they say. If you want to save the world, you have to push a few old ladies down the stairs.
Skudd:- Perhaps she just thinks you are a window licker and is being nice just in case she becomes another Jill Dando.
WANTED:- Fujinon (Fuji) M42 (Screw on) lenses, let me know if you have anything.
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chris-red
Have you considered a TDM?



Joined: 21 Sep 2005
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PostPosted: 12:11 - 23 Dec 2015    Post subject: Reply with quote
kerr wrote:
Shopping around or change your choice of car, scooby's tend to be driven by boy racers who inevitably wrap them round a tree, also once upon a time they were highly sought after by twocer's.


TBH everything I have been looking at has that reputation Laughing
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Well, you know what they say. If you want to save the world, you have to push a few old ladies down the stairs.
Skudd:- Perhaps she just thinks you are a window licker and is being nice just in case she becomes another Jill Dando.
WANTED:- Fujinon (Fuji) M42 (Screw on) lenses, let me know if you have anything.
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kerr
World Chat Champion



Joined: 08 May 2011
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PostPosted: 12:19 - 23 Dec 2015    Post subject: Reply with quote
I was actually just thinking the same Laughing
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stinkwheel
Bovine Proctologist



Joined: 12 Jul 2004
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PostPosted: 13:06 - 23 Dec 2015    Post subject: Reply with quote
Have you considered a BMW X3?

Seriously.
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I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles.
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Feasty
World Chat Champion



Joined: 01 Nov 2006
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PostPosted: 13:19 - 23 Dec 2015    Post subject: Reply with quote
I had a Caterham Super7 for a while, extremely fast and very capable car - insurance was less than my nearly new Aygo! Laughing
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Previous: Aprilia Habana Retro 50cc (beauty), Yamaha SR125 (fell apart), Honda XR125 (nippy little commuter), Honda SLR650 (Geewhizz), Yamaha Diversion 900S (Smoooooth) written off courtesy of a stupid escaped horse.
(7 year gap), BMW F650 (Relaxing ride). Aprilia Caponord ETV1000 (Big and bold). Yamaha FZS600 (got me in trouble too quick!).
Current: Yamaha TDM 900 (Comfy, light but big, power when needed).
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P.addy
Red Rocket



Joined: 14 Feb 2008
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PostPosted: 13:20 - 23 Dec 2015    Post subject: Reply with quote
stinkwheel wrote:
Have you considered a BMW X3?

Seriously.


X3... he's not a homo.

M3...yes.

The only cheapish sporty cars I've checked insurance with are Supras and the quite retro Stagea but finding one with no bolt on tat is hard and not everyone likes 500hp estates.
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stinkwheel
Bovine Proctologist



Joined: 12 Jul 2004
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PostPosted: 14:07 - 23 Dec 2015    Post subject: Reply with quote
Paddy. wrote:

X3... he's not a homo.

M3...yes.


Meh. I don't like cars but a mate of mine (who I would LOVE to see someone call a homo to his face) likes his big, punchy cars and highly rates them.

He's had a sucession of supras and M3s, V8 vauxhalls and such and is frankly terrifying to go in a car with but knows how to go one or he'd have landed up in a ditch by now.

I'd imagine an X3 would probably get around the "chav loading" insurance aspect.

In order to call you a homo, they first have to catch you. Compare the x-drive 35d specs to the WRX.
____________________
“Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.”
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles.
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Tracey Suntan-King
World Chat Champion



Joined: 10 Nov 2012
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PostPosted: 14:21 - 23 Dec 2015    Post subject: Reply with quote
Polarbear wrote:
What is an STI? According to Google you have been putting your todger in an unclean place Embarassed Laughing

I know WRX is Willy Requires X-ray Shocked


FTFYHTH Thumbs Up
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Wonko The Sane
World Chat Champion



Joined: 20 Jan 2013
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PostPosted: 14:40 - 23 Dec 2015    Post subject: Reply with quote
Feasty wrote:
I had a Caterham Super7 for a while, extremely fast and very capable car - insurance was less than my nearly new Aygo! Laughing


much tempted myself but would have to park it on the street and use to commute - not sure it's a great plan...
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J4mes
World Chat Champion



Joined: 18 Mar 2011
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PostPosted: 14:41 - 23 Dec 2015    Post subject: Reply with quote
In my experience the UK cars are cheaper to insure than imports, so beware of that.

For me an Evo was cheaper than a WRX too.
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P.addy
Red Rocket



Joined: 14 Feb 2008
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PostPosted: 14:43 - 23 Dec 2015    Post subject: Reply with quote
stinkwheel wrote:
In order to call you a homo, they first have to catch you. Compare the x-drive 35d specs to the WRX.


The X35d m sport is still going to be slow and barge like. 5.3 to 60 and 152 top end. Unsure on HP figures but the price for one of those used is more than double an 04 sti with 400hp.

That won't help the insurance offset. I'd happily call him a homo for driving an X3. BMW MPV stuff is just hilarity in a bavarian box. Surely simply getting a 130 or 135 is what he wants rather than a gay family wagon.
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stinkwheel
Bovine Proctologist



Joined: 12 Jul 2004
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PostPosted: 15:09 - 23 Dec 2015    Post subject: Reply with quote
Paddy. wrote:

The X35d m sport is still going to be slow and barge like. 5.3 to 60 and 152 top end. Unsure on HP figures but the price for one of those used is more than double an 04 sti with 400hp.


Yeah.

New X3: 313hp, 630nm and 0.60 in 5.3.
sauce

New WRX Sti: 300hp, 407nm, 0-60 in 5.2.
sauce

Just saying. Razz
____________________
“Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.”
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles.
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monkeybiker
World Chat Champion



Joined: 23 Sep 2014
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PostPosted: 15:52 - 23 Dec 2015    Post subject: Reply with quote
stinkwheel wrote:
Paddy. wrote:

The X35d m sport is still going to be slow and barge like. 5.3 to 60 and 152 top end. Unsure on HP figures but the price for one of those used is more than double an 04 sti with 400hp.


Yeah.

New X3: 313hp, 630nm and 0.60 in 5.3.
sauce

New WRX Sti: 300hp, 407nm, 0-60 in 5.2.
sauce

Just saying. Razz


0 to 60 is a rubbish measurement of performance.

I would say 40-80mph tells you a better figure as that is where the power is most useful.
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monkeybiker
World Chat Champion



Joined: 23 Sep 2014
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PostPosted: 15:59 - 23 Dec 2015    Post subject: Re: Sporty car insurance Reply with quote
chris-red wrote:
Next year I'm looking at getting a decent relatively quick car.

Current top of the pile is a WRX possibly even an STI from around 2006.

A quick look at insurance quotes are coming out about £1500, my fiesta costs £350~ so this is a bit of a shock.

I guess my question are there any tricks to getting cheaper insurance for a quick car? I was think £800 max for the insurance. I don't feel like I'm £1500 worth of risk.

I don't drive a lot and I just want a nice car for a period in my life so I'm not bothered about running costs such as fuel/servicing, but tax and insurance can't be ridiculous.


You just have to try lost of comparison sites. Try different cars as well.

If you go for an older car then you could save on road tax. gt4?
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chris-red
Have you considered a TDM?



Joined: 21 Sep 2005
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PostPosted: 16:13 - 23 Dec 2015    Post subject: Reply with quote
I hate the look of an x3 so that is out.

I'm after something quick but doesn't have to be mental fast, must be RWD or 4WD , must be a drivers car, manual, good handling etc. Should be at least a 4 seater not a 2+2. Not unreliable, at least mid/high 20's mpg. Absolute max of £10k more like £6-8k. I want something looks sporty, not interested in a sleeper.

Not really interested in BM's TBH I just do not like them.
____________________
Well, you know what they say. If you want to save the world, you have to push a few old ladies down the stairs.
Skudd:- Perhaps she just thinks you are a window licker and is being nice just in case she becomes another Jill Dando.
WANTED:- Fujinon (Fuji) M42 (Screw on) lenses, let me know if you have anything.
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P.addy
Red Rocket



Joined: 14 Feb 2008
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PostPosted: 16:54 - 23 Dec 2015    Post subject: Reply with quote
Reliable, 4 seats, fast but not too fast, sporty.

VW Golf r32 4motion manual.
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chris-red
Have you considered a TDM?



Joined: 21 Sep 2005
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PostPosted: 16:57 - 23 Dec 2015    Post subject: Reply with quote
Paddy. wrote:
Reliable, 4 seats, fast but not too fast, sporty.

VW Golf r32 4motion manual.


1 it's a golf, 2 it's not proper 4wd, 3 it's a golf.
____________________
Well, you know what they say. If you want to save the world, you have to push a few old ladies down the stairs.
Skudd:- Perhaps she just thinks you are a window licker and is being nice just in case she becomes another Jill Dando.
WANTED:- Fujinon (Fuji) M42 (Screw on) lenses, let me know if you have anything.
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stinkwheel
Bovine Proctologist



Joined: 12 Jul 2004
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PostPosted: 17:06 - 23 Dec 2015    Post subject: Reply with quote
Jag XJ12, a set of new suspension bushes and a rewire.
____________________
“Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.”
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles.
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arry
Super Spammer



Joined: 03 Jan 2009
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PostPosted: 17:14 - 23 Dec 2015    Post subject: Reply with quote
If you're using comparison sites, don't. Ring specialist brokers. Sky Insurance, Flux, HIC etc.

Oh and do play around with modified versus standard quotes. Sometimes mildly modified cars go on different binders with better rates
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chris-red
Have you considered a TDM?



Joined: 21 Sep 2005
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PostPosted: 17:15 - 23 Dec 2015    Post subject: Reply with quote
stinkwheel wrote:
Jag XJ12, a set of new suspension bushes and a rewire.


I'm after something sporty not a stately home Laughing
____________________
Well, you know what they say. If you want to save the world, you have to push a few old ladies down the stairs.
Skudd:- Perhaps she just thinks you are a window licker and is being nice just in case she becomes another Jill Dando.
WANTED:- Fujinon (Fuji) M42 (Screw on) lenses, let me know if you have anything.
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Kawasaki Jimbo
World Chat Champion



Joined: 09 Oct 2015
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PostPosted: 17:23 - 23 Dec 2015    Post subject: Reply with quote
chris-red wrote:
I'm after something quick but doesn't have to be mental fast, must be RWD or 4WD , must be a drivers car, manual, good handling etc. Should be at least a 4 seater not a 2+2. Not unreliable, at least mid/high 20's mpg. Absolute max of £10k more like £6-8k. I want something looks sporty, not interested in a sleeper.

Not really interested in BM's TBH I just do not like them.


Put those criteria into Autotrader, don't specify a make, then see what comes up. I've often wondered whether a big ol' high mileage, high spec Jag would be a good buy.

I did a more realistic Autotrader criteria search recently and the results were all Honda Jazz (Jazzes?) Crying or Very sad I think it was because I'd specified both aircon and a sunroof though, which seems to be rare.
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arry
Super Spammer



Joined: 03 Jan 2009
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PostPosted: 17:25 - 23 Dec 2015    Post subject: Reply with quote
This and to fuck with fuel economy? Probably not far off mid twenties anyway
https://m.ebay.co.uk/itm/Vauxhall-Monaro-5-7-V8-Stunning-Piece-of-machinery-Finance-Available-/221969499760?nav=SEARCH
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