In the UK A Volkswagen 2004 Golf is High on Insurance because of Boy Racers (High Crime Rate) what I want to know is
that does the price apply on all models or could you buy a Volkswagen Golf GTI and have no problems
with high price insurance.
From experience of looking myself, the difference in model makes quite an impact on the cost of insurance. 1.4 E = Cheap. 1.6 Convertible = Fairly high. GTI = High. But the main contributing factor is who you are...
I believe that the insurance for each model of the VW is calculated by the amount of claims for each age group. So lets say 25 people of your age claimed on a 1.9 diesel and 100 claimed on a gti, then yeah it's going to be higher than the gti.
also gti is faster, etc
Pretty much if your insurance finds out you have a turbocharged car they're going to bill you out the ass for it.
My girlfriend is just getting rid of her Mk4 GTI. She had the 2 litre 8V engine, pretty shitty engine to be honest but insurance was cheaper than the 1.8T by quite a lot and she didn't really need the power.
Reliability on the other hand... Bag of shit, this talk of German build quality is bollocks.
I wish people wouldnt genralize like this:
"In the UK A Volkswagen 2004 Golf is High on Insurance because of Boy Racers "
Boy racers barely exist in the modern age. If you heard/saw my car you would think i'm a boy racer, but its bullshit. People confuse modified car with boy racer.
I never race my car. Or drive it very fast. But it is modified.
[QUOTE=AidanCKY;33680564]I wish people wouldnt genralize like this:
"In the UK A Volkswagen 2004 Golf is High on Insurance because of Boy Racers "
Boy racers barely exist in the modern age. If you heard/saw my car you would think i'm a boy racer, but its bullshit. People confuse modified car with boy racer.
I never race my car. Or drive it very fast. But it is modified.[/QUOTE]
It's all about statistics mate. Statistically more young people in modified cars crash them, hence we pay higher insurance for higher powered or modified cars. Whether you race them or not people still crash them which puts the figures up. Be smart like me and drive a rarer fast car and pay peanuts for insurance.
What do you drive?
Honda Prelude... 200bhp, about 6.5 secs to 60, brilliant handling and hardly anyone my age (21) has a clue they exist meaning insurance isn't too bad, about £20 a month more than my old Vauxhall Corsa to insure.
A Prelude at 21!! That is excellent.
You'd be surprised at what you can insure at 21 if you think outside the box.
A workmate got insured on a 4 litre supercharged Jaguar XJR with something stupid like 400+ BHP for £750 a year when he was 22. Similar to the one below:
[img]http://www.pistonheads.com/news/images/6904-04.JPG[/img]
Just have a scout round for some bigger, older and rarer performance cars and you'll be surprised at some of the quotes you get.
Ohhh that is awesome! ...until it needs a service!
I'd been trying that, then got handed down the family Hyundai! Haha, and that was high on insurance!
The car has sentimental value though.
It's not just the car, how they deal with postcodes is real fucking bullshit. Fried at college pays £3000 per year, 200 yards away the road and next postcode starts, £1700 per year
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