BrokenBiker
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Who would you recommend I ask for a 24 year old with 2 years ncb and a crash on record to insure me in an m3?
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Who would you recommend I ask for a 24 year old with 2 years ncb and a crash on record to insure me in an m3?
super noob
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I'm 24, a crash and no ncb to use as its on other cars....£390 FC on a modified 1973 Gran Torino with a 500cu V8, its not drivable at the minute but its insured as if it was. Before then it was £451 FC when I was driving it daily at 23
I've used classic line, A plan and now I'm with flux as they were the cheapest
I've used classic line, A plan and now I'm with flux as they were the cheapest
Parm
Respect The Sound System
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That's silly money, obviously where you live it's low car crime risk
BrokenBiker
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Based on the fact that flux wouldn't touch me in a diesel Alfa I don't think I will bother with them.
The reason yours is so low is because in your age group there are not many people driving those vehicles, so by proxy there can't be many claims against people in your age group driving those vehicles, so the premiums are low. I have found that quite a few people my age drive the sorts of cars I'm looking at and most of them get involved in a bump so the premiums are higher. This was explained to me by an independent broker as no one looks at power or vehicle value anymore, just the ratio of claims against age for that vehicle type. This is why I can insure a 330 for pennies, but not an m3, and I can also insure a 250hp Mazda6 for 320 a year but can't insure a 120hp Alfa for less than a grand
The reason yours is so low is because in your age group there are not many people driving those vehicles, so by proxy there can't be many claims against people in your age group driving those vehicles, so the premiums are low. I have found that quite a few people my age drive the sorts of cars I'm looking at and most of them get involved in a bump so the premiums are higher. This was explained to me by an independent broker as no one looks at power or vehicle value anymore, just the ratio of claims against age for that vehicle type. This is why I can insure a 330 for pennies, but not an m3, and I can also insure a 250hp Mazda6 for 320 a year but can't insure a 120hp Alfa for less than a grand
Parm
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That's crazy
super noob
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Yes I do but the car was originally insured at that price when I was living and working in Crewe........which is neither of those two!
Its not just the car, they base it off engine size and performance. Remember I've got a crash too and up until last year I was paying £900 wish to insure a discovery!
super noob
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See thats one of the factors thats making mine expensive, the fact I've got a Caddy motor in it hahaha
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normspanners
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I think the stated 240 from honda is a little optimistic actually, because they are running single throttle body and plenmum with a cat etc etc. I think most are around the 220 mark,when on a dyno we use to get 254 ish from ours but that was with throttle bodies and a straight through with a re-map and adjusting the v tec switching the power can be a lot more evenly distributed than honda have them set, they like to give the turbo feel I think.
BrokenBiker
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Not according to my broker they don't. If they base it on engine and performance size they should be paying me to insure the megane...but it's cheaper for me to insure a 330i with twice as much power from and engine twice as big, more likely to be nicked and involved in more crashes overall...
normspanners
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I have!! had to remove most of the car to get to oil breathers etc.
One thing I must say about the s2000 having built a few they are fantastically reliable engine we used to rev our's to max on every gear change on stages and test days etc and it just kept going and going mind you was dry sumped so that does help i suppose.
Very interesting the only part that is hand polished is the inside of the engine block I presume to get as little oil mist in the crankcase air as possible because oil mist wraps round the crank like a rope at high rpm.
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BrokenBiker
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Insurance isn't pretty for me on an s2000, 460 a year fully comp.
I could have the Mazda 6 in another thread for 320 (because it's a rarer car for people my age) a year and 20 more hp and 3 more seats plus awd and I think the Mazda is cheaper to buy.
I dont Intend on driving that fast in all fairness, I like the odd blast but I prefer playing sideways when it's quiet about.
Granted I kick the s@it out of the megane every single day but that's because I hate it and if I break it the Mrs can't moan when I buy something else haha
I could have the Mazda 6 in another thread for 320 (because it's a rarer car for people my age) a year and 20 more hp and 3 more seats plus awd and I think the Mazda is cheaper to buy.
I dont Intend on driving that fast in all fairness, I like the odd blast but I prefer playing sideways when it's quiet about.
Granted I kick the s@it out of the megane every single day but that's because I hate it and if I break it the Mrs can't moan when I buy something else haha
BrokenBiker
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As I say vehicle power or performance is irrelevant now.
It just depends on how many people your age have crashed that type of car.
The explanation to me was, if I wanted to insure a corsa and 10,000 people my age crashed them out of 15,000 owners, that's a 2/3 claim rate but ultimately amounts to 10,000 claims but if I wanted to insure a 330 and only 100 people crashed them out of 100 owners, even though that's a 100% claim rate, it's still only 100 claims so the corsa is much much more expensive to insure than the bmw and it rings true when I run quotes as the bmw is around 300ish a year fully comp and for me to insure a 1.2 corsa I would be Looking at around 780 quid tpft and can't get fully comp for it
BrokenBiker
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It's the same for me with bikes, any bike between a 600 and a 1000cc is 208 a year, anything over 1000 is 375 a year unless I try looking at daft things like hyabusas
Fazerruss
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I knew I got the info from somewhere. Forward to 45 seconds and it states the valvetronic system removes the need for a throttle body.......
atomant48
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I remember hearing on a news article once that people with 9 points were cheaper to insure as they are considered less risk than someone with say 6 points - less likely to speed I guess?
normspanners
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Right to explain it does have a throttle body that is only used when the engine is cold, once warm the the valvetronic takes over and the throttle body is held fully open.
The valve lift varies from 0 to nearly 10mm taking over the air control and lowering pumping losses. They then have dual vanos units on each cam to adjust the valve timing and therefore the overlap to give more power, at higher rpm.
This is all in theory, but it is all in the lap of the gods if it all works as it should.
