rabbitstew Posted August 27, 2011 Share Posted August 27, 2011 I was chatting to a mate at work today and we started talking about the newish Nissan GT-R. I then said I dread to think what one of those would cost to insure, and told him how when it came to insure my zed, the cheapest confused.com quotes were coming in at around the 850->900quid mark and even the "specialist" insurers on here came in at around 1100 and 1200quid. So he gets a quote for a 2009 £40k Nissan GT-R and it comes in at 800quid. Baring in mind he`s about 28 and he doesnt have as much ncb as me I was amazed. So, I log into my confused.com account where it keeps all my details, changed my car from my zed to a 2009 Nissan GT-R and it came back at 765quid. WTF? So its cheaper to insure a 40grand GT-R which is clearly a faster more powerful car than my zed? Out of interest I then decided to play with my details a bit. If I changed my status from "living with partner" to "married", rather than the insurance dropping like I expected, it INCREASED. Maybe they assume someone who is married is going to be unhappy and drive more dangerously. Also, if I added 3 points for speeding, that seriously increased the quote to around the 900quid mark. So much for the coppers always saying "oh it shouldnt affect your insurance and most companies ignore 1 speeding offence". Changing the job title to different versions of my job made a slight difference to the premium but nothing worth noting. Its also worth noting that I specified that the car would be left in my drive, ungaraged and the quote was with admiral. So all in all, it`s cheaper for me to insure a GT-R than my zed. Quote Link to comment Share on other sites More sharing options...
manphibian Posted August 27, 2011 Share Posted August 27, 2011 Is pretty weird, but RWD cars do carry a premium.... Quote Link to comment Share on other sites More sharing options...
Neilp Posted August 27, 2011 Share Posted August 27, 2011 I crashed my first saxo vtr and insurance renewal came in at 2000 quid. Bought a brand new c2 vts which is faster and more powerful and cost 3 times as much and insurance came in at 1300quid Quote Link to comment Share on other sites More sharing options...
Keyser Posted August 27, 2011 Share Posted August 27, 2011 .......I crashed my first saxo .... Can't say I blame you!!! My Hilux pickup cost £45 less to insure than my first N/A 350 I've given up trying to work it out ??!! Quote Link to comment Share on other sites More sharing options...
Chap Posted August 27, 2011 Share Posted August 27, 2011 My 'street' is a complex of four blocks of apartments with its own car park, most of the owners are relatively affluent in comparison to some areas - I can see a Lotus Evora parked outside (as well as some ancient Micra). None of it can be seen from the street. Insurance quotes to park here are way higher than when parking on the neighbouring road, where we can't see or look after our cars, has plenty of foot traffic, and is a narrow thing oft used by locals as a short cut to avoid a busier junction. I guess there is just slightly less chance of someone opening a car door into yours, but that is about it. Quote Link to comment Share on other sites More sharing options...
DannyBoy Posted August 27, 2011 Share Posted August 27, 2011 Here's a good one; it's cheaper for me to insure my car parked on the road outside my house rather than on my station where it is parked 200 metres from and in clear view of an ARMED GUARD and 150 metres from the RAF police guard house 24 hours a day in a car park that only those stationed on base have access to, explain that please someone. DB Quote Link to comment Share on other sites More sharing options...
HassanZ Posted August 27, 2011 Share Posted August 27, 2011 It was cheaper to insure my facelift BMW 330CI M sport compared to a facelift BMW 325CI M sport... Quote Link to comment Share on other sites More sharing options...
Keyser Posted August 27, 2011 Share Posted August 27, 2011 Here's a good one; it's cheaper for me to insure my car parked on the road outside my house rather than on my station where it is parked 200 metres from and in clear view of an ARMED GUARD and 150 metres from the RAF police guard house 24 hours a day in a car park that only those stationed on base have access to, explain that please someone. DB Have you seen the REME mechs drive ???? Sorry boys Quote Link to comment Share on other sites More sharing options...
rabbitstew Posted August 27, 2011 Author Share Posted August 27, 2011 It must be the rear wheel drive thing. Quote Link to comment Share on other sites More sharing options...
brillomaster Posted August 28, 2011 Share Posted August 28, 2011 my insurance dropped from £720 quid for a 1.8 MX5 to £630 for a 300ZX TT. Very strange! I was amazed it was that cheap, did they not think a 23yo with 300bhp, RWD and no TCS might be a bit more risky? What gets me is that performance RWD cars dont have to have decent tyres on to be insured - single biggest difference to how a car drives is the boots its wearing! Quote Link to comment Share on other sites More sharing options...
rabbitstew Posted August 28, 2011 Author Share Posted August 28, 2011 Its making me really think about what i get next. I had the same problem with motorbikes. Insurance companies wouldnt insure me on a Honda Fireblade, but happily would insure me on a yamaha R1 for less than £100 a year. (In fact its £66 this year) Quote Link to comment Share on other sites More sharing options...
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