My Car has a Cooler Brother

"KirkyV" (KirkyV) 06/23/2014 at 17:18 • Filed to: Peugeot, 106, GTi, 106 GTi

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He's a little younger, but you can tell which way the envy runs in this family.

I ran into the owner while I was taking pictures, and we had a nice chat about our cars. He's 22, and only pays £500 a year for fully comp insurance; needless to say, I'm rather looking forward to my 22nd birthday, three years hence. I just hope there are still decent examples around, at decent prices, then.

So, that was an eventful strudel-run.

ReallyColorful > KirkyV 06/23/2014 at 17:23

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Sup bro?

ReallyColorful > KirkyV 06/23/2014 at 17:24

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Not much, sup with chu?

Twingo Tamer - About to descend into project car hell. > KirkyV 06/23/2014 at 17:35

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You shouldv'e made him an offer and man only £500 is insane he must've built up no claims since he was 17.

KirkyV > Twingo Tamer - About to descend into project car hell. 06/23/2014 at 18:09

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I would've, happily, but while he's only paying £500, I know I'd have been more in the range of £2000. And that's for Third Party, Fire and Theft.

Still, it gives me some hope for the future. I've been building up no claims' since I was 17, and seeing as this was my local Sainsbury's, his postcode's probably not much better than mine.

Twingo Tamer - About to descend into project car hell. > KirkyV 06/23/2014 at 18:15

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Damn that seems high, the insurance must be worse that I thought on the gti, it would be £2'000 for me fully comprehensive on a 2 litre diesel mondeo estate for comparison. After talking earlier I had a look for gti's and noticed autotrader only had one in the whole country for sale.

http://www.autotrader.co.uk/classified/adv…

It's pretty nice but many many miles away from me...

KirkyV > Twingo Tamer - About to descend into project car hell. 06/23/2014 at 18:18

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Yup, two years. The 106 GTi's just a bugger to insure; I've actually gotten significantly better prices on a 205 GTi 1.9.

(They're not common, but AutoTrader's particularly bad for the 106 GTi. I've had far better luck on Gumtree, eBay Motors and Pistonheads.)

Twingo Tamer - About to descend into project car hell. > KirkyV 06/23/2014 at 18:26

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I'll make sure I stay away with those prices that's insane, might get a quote out of curiosity.

KirkyV > Twingo Tamer - About to descend into project car hell. 06/23/2014 at 18:32

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I would; the 106 GTi's in a completely different league from the Saxo VTR and Fiesta Zetec S I was talking about earlier. It's very much a proper, full-blooded GTi, while the other two are just insurance-friendly 'warm' hatches. I want one - about the only car I want more is a 205 - but I'm gonna hold off until I can own one for a sane amount of money.

My best so far's £1,897, by the way.

Twingo Tamer - About to descend into project car hell. > KirkyV 06/23/2014 at 18:34

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£2400 fully comp with 0 no claims. Not too bad really, just slightly more than an mx5 and an mx5 is less powerful.

KirkyV > Twingo Tamer - About to descend into project car hell. 06/23/2014 at 18:36

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That's really odd. For me, there's about £700 difference between a GTi and an MX-5.

Twingo Tamer - About to descend into project car hell. > KirkyV 06/23/2014 at 18:37

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Only about £300 difference for me.

KirkyV > Twingo Tamer - About to descend into project car hell. 06/23/2014 at 18:38

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British Car Insurance: How Does It Work?

Twingo Tamer - About to descend into project car hell. > KirkyV 06/23/2014 at 18:46

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No one will ever know. Although my insurance is slightly below average because my grandparents live in a nice-ish area and the car is going to be registered and "garaged" there.

KirkyV > Twingo Tamer - About to descend into project car hell. 06/23/2014 at 18:49

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I would try that trick with my parents, who live in a lovely village in the middle of the countryside... But I think the way that village is around four hours' journey from where I live might become something of an issue should I have to make a claim... I have got my stepdad listed as a named driver, though; it's shaved around £200 off some quotes.

Twingo Tamer - About to descend into project car hell. > KirkyV 06/23/2014 at 18:54

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I haven't tried adding any named drivers yet so duno how much difference it'll make. My grandparents only live two miles away so I should be fine with that, ridiculous that 2 miles makes such a difference.

KirkyV > Twingo Tamer - About to descend into project car hell. 06/23/2014 at 19:01

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That it is.