Insuring an Ibiza FR 1.8T

Insurance is even more of a joke now than when I tried to get it 5 years ago. My 23 year old mate who is a new driver is struggling to insure a 10 year old 106 Rallye. The best quote he's had so far is £1000 for Third Party and he's not too keen on that. The main thing letting him down is the fact that the car has had to have some substantial mods done to allow him to fit in it, as he's 6ft 9ins tall! He lives in a quiet part of Devon, so god knows how it's so expensive. It's not as if he's modded it for performance reasons, more safety reasons.
 
IainW said:
Insurance is even more of a joke now than when I tried to get it 5 years ago. My 23 year old mate who is a new driver is struggling to insure a 10 year old 106 Rallye. The best quote he's had so far is £1000 for Third Party and he's not too keen on that. The main thing letting him down is the fact that the car has had to have some substantial mods done to allow him to fit in it, as he's 6ft 9ins tall! He lives in a quiet part of Devon, so god knows how it's so expensive. It's not as if he's modded it for performance reasons, more safety reasons.
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Has he not thought about a 306, a 106 must be stupid if you are that tall, i mean i am 6 4 but i would never buy a 106.
 
I'm 6ft 1 and I struggle to fit in the driving seat of a 106, so god knows what he was like when he first sat in it.

I think it came down to what was available within his budget at the time as he was moving from Staffordshire to Devon at short notice, so had to get one quickly. Luckily he knows some Peugeot specialists and they're doing all the mods in exchange for designing their website, so he's saved a great deal on that. Mods include removing the rear seat and putting a pair of bucket seats in the rear passenger footwell, straightening the pedals and putting extensions on them, a snap off smaller steering wheel and cutting a chunk out of the dashboard so he can get his legs in and out.
 
I am picking my 1.8 t FR up tomorrow, and the only reason i got insured is because i swapped the ins over from my old car, and norwich union direct didnt want to lose my custom, so pulled a few strings, or so i am told by my friend who works for NUD.

(i am 19, and also heard you have to be 21).
 
I think you're lucky. I was told by Norwich Union Direct that no one onder 21 would be allowed to drive my car (Leon FR petrol) as too much of an insurance risk. Didn't bother me as only me (28) and my parents as occasional drivers.
 
any car that you have to pay over 700 quid in my opinion dont bother buying, i pay 600 at 21 on a 1.8t, but this is a cupra, which were higher insurance due to the word! cupra
 
A standard FR diesel is not faster than a VTS sorry to burst your bubble, also the quote "the saxo is only a 1.6 16v afaik whereas you're after a 1.820VT which is a much bigger engine." is completely wrong again. Engine size only plays a small part.

2 cars both, one with a 2.0ltr engine that weighs in at 1500 kg and one car with a 1.6 that weighs in at just over a ton. I know which would be faster and it wouldnt be the larger capacity engine.
 
Tho, the FR has different styling, and a different gear ratio so *should* be faster....

Get the diesel and remap it :D

All good
 
HellFire said:
A standard FR diesel is not faster than a VTS sorry to burst your bubble, also the quote "the saxo is only a 1.6 16v afaik whereas you're after a 1.820VT which is a much bigger engine." is completely wrong again. Engine size only plays a small part.

2 cars both, one with a 2.0ltr engine that weighs in at 1500 kg and one car with a 1.6 that weighs in at just over a ton. I know which would be faster and it wouldnt be the larger capacity engine.
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Well as the Saxo VTS was behind me, i'll go with my bubble.....
 
So then mate, a 1.6 16v is a bigger engine than a 1.8 20VT then? Yes, how wrong I am...

It plays a part, as you said, so I mentioned it.
 
so many posts in the past have been compared to a tin can and the ibiza's, gettin bit sick of it now. it weights just over a ton for a reason, its plastic and shaped like a lunchbox.
 
The insurance group is only part of the story. The grouping is based on a number of things i.e cost and availability of parts, attraction for theft, overall protection of occupants in an accident. A vehicle may be relatively cheap to repair and safe in an accident but attracts young hot headed drivers (agreed not all young drivers are hot headed). What is done to combat this is change the isurance group to what is known as a term code grouping. This is a set of additional terms of acceptance i.e all drivers must be over 25, vehicle must have cat1 security, apply a large theft excess etc. The old trick of insuring your car in mum/dads name is no longer really an option (it's called fronting). You may get a cheap premium but if you crash the thing your facing a bill that could run into hundreds of thousands of pounds if someone is badly injured. Just because you have insurance doesnt mean the insurer has to pay out if you lied. Trust me I know about these things.
 
There's an insurance company that was on the news the other day that was quoting 40% off for drivers who are between 17 and 25 - the only condition is that they don't drive at night - i.e. after 11...(if u did then u get charged 25 quid)

although saying that - i got my renewal through yesterday....i'm 25 with 4 years NCB....and they wanted £1060 (on a 55 plate cupra)...time for another insurance search me thinks :(
 
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