Curse you UK insurance prices.

"Twingo Tamer - About to descend into project car hell." (oppisitelock) 05/30/2016 at 06:58 • Filed to: None

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£1000 for a 100hp hatchback, really?!

BvdV - The Dutch Engineer > Twingo Tamer - About to descend into project car hell. 05/30/2016 at 07:04

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Wait what, that’s almost 4 times its worth! They must known that Compacts are popular for drifting, or something. Though I doubt a 316 would drift.

Twingo Tamer - About to descend into project car hell. > BvdV - The Dutch Engineer 05/30/2016 at 07:06

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Yeah something like that i suppose. Yeah this thing wouldnt drift haha.

BvdV - The Dutch Engineer > Twingo Tamer - About to descend into project car hell. 05/30/2016 at 07:10

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Just checked, I would probably pay somewhere between €800-1000 to insure a similar car, for only liability coverage.

Leon711 > Twingo Tamer - About to descend into project car hell. 05/30/2016 at 07:10

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Damn! I pay less than half for twice the power!

Flavien Vidal > Twingo Tamer - About to descend into project car hell. 05/30/2016 at 07:24

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Haaa the UK and your car insurance insanity :)

So much choice for cheap in the UK, ruined by insurance companies!

djmt1 > Twingo Tamer - About to descend into project car hell. 05/30/2016 at 07:26

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Well could be worse or 2.564 times worse in my case.

Jordan and the Slowrunner, Boomer Intensifies > Twingo Tamer - About to descend into project car hell. 05/30/2016 at 07:37

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I pay over $2500 annually... For two cars. One is brand new.

That Bastard Kurtis - An Attempt to Standardize My Username Across Platforms > Twingo Tamer - About to descend into project car hell. 05/30/2016 at 07:42

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Why is insurance so pricey in Europe? I pay $1000 a year to insure a Mercedes SUV and a Ford F-250.

Twingo Tamer - About to descend into project car hell. > BvdV - The Dutch Engineer 05/30/2016 at 07:45

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Thats a decent chunk less than me.

Twingo Tamer - About to descend into project car hell. > Flavien Vidal 05/30/2016 at 07:45

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Yup theyre crooks.

Twingo Tamer - About to descend into project car hell. > That Bastard Kurtis - An Attempt to Standardize My Username Across Platforms 05/30/2016 at 07:46

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Because they can i suppose. And theyre awful people.

Twingo Tamer - About to descend into project car hell. > Jordan and the Slowrunner, Boomer Intensifies 05/30/2016 at 07:46

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Damn.

Twingo Tamer - About to descend into project car hell. > djmt1 05/30/2016 at 07:46

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This is having a parent as the main driver too.

Twingo Tamer - About to descend into project car hell. > Leon711 05/30/2016 at 07:46

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I assume its my age.

That Bastard Kurtis - An Attempt to Standardize My Username Across Platforms > Twingo Tamer - About to descend into project car hell. 05/30/2016 at 07:48

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Good lord, there’s people worse than American insurance companies? I’m so very sorry.

I've always been kinda baffled by how insurance and tags works for you guys, with the tags staying with the car and all that weirdness. Neat little car though, hopefully you can get that price down a bit.

FSI - alcohol enthusiast with a car problem > Twingo Tamer - About to descend into project car hell. 05/30/2016 at 07:52

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I’d probably pay €1.100 or more for the same car. Most of the guys my age at my school insure their cars by their parents as a second car.

djmt1 > Twingo Tamer - About to descend into project car hell. 05/30/2016 at 07:54

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I wonder if doing that for me would make any difference. Probably not, I don’t think the government, the insurers or people in general want more cars in London. We’re kinda running out of space.

Leon711 > Flavien Vidal 05/30/2016 at 07:54

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It’s dependent on many factors, mine is less than half the price for double the power and I’m a couple of years older at best.

Cé hé sin > Twingo Tamer - About to descend into project car hell. 05/30/2016 at 07:56

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Cures:

Get older

Accumulate no claims discount

Buy small, boring car

Cé hé sin > That Bastard Kurtis - An Attempt to Standardize My Username Across Platforms 05/30/2016 at 08:00

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Maybe you’re older and have many years NCD?

Also, insurance seems to be different in America. If I understand it correctly, you don’t have to be fully insured and you can have a policy that puts a cap on third party claims, something we don’t have in the EU All policies must have unlimited third party cover.

Cé hé sin > That Bastard Kurtis - An Attempt to Standardize My Username Across Platforms 05/30/2016 at 08:01

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Tags??

Flavien Vidal > Leon711 05/30/2016 at 08:01

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Yeah but doing this, they force kids to buy crappy old cars, with no modern protection because insurance is way too much. It’s stupid... UK kids are not worse than kids in any other countries, no reason to charge them this much for insurance.

Flavien Vidal > That Bastard Kurtis - An Attempt to Standardize My Username Across Platforms 05/30/2016 at 08:02

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Not Europe. In the Uk.

Flavien Vidal > Twingo Tamer - About to descend into project car hell. 05/30/2016 at 08:06

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I got my license fairly late in the US... I was 21 year old and had 0 year of proper driving experience. I was paying 650$ per year for full coverage on a Mazda 626.

Twingo Tamer - About to descend into project car hell. > Cé hé sin 05/30/2016 at 08:08

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Already done the 3rd one, working on the rest.

Twingo Tamer - About to descend into project car hell. > That Bastard Kurtis - An Attempt to Standardize My Username Across Platforms 05/30/2016 at 08:08

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Yeah hopefully.

Twingo Tamer - About to descend into project car hell. > djmt1 05/30/2016 at 08:09

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Yeah theres a bit of a war on motorists going on.

Twingo Tamer - About to descend into project car hell. > FSI - alcohol enthusiast with a car problem 05/30/2016 at 08:09

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This would be insuring it under my parents with me added on.

Jordan and the Slowrunner, Boomer Intensifies > Twingo Tamer - About to descend into project car hell. 05/30/2016 at 08:15

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That’s the cheapest could find. One company wanted $600 a month.

FSI - alcohol enthusiast with a car problem > Twingo Tamer - About to descend into project car hell. 05/30/2016 at 08:15

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Whaaaaaaaaaa??!???? Holy shit that’s insane. I’m insured for my parent’s VW but it’s only like a €280 plus €95 for me. But that’s with a lot of rebates and my parents never had an accident or claim in 21 years. £1000 is still exorbitant.

Jordan and the Slowrunner, Boomer Intensifies > That Bastard Kurtis - An Attempt to Standardize My Username Across Platforms 05/30/2016 at 08:17

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Lol $2500 a year for me, and I’m in the states. That’s for a 2016 Fiesta ST(full coverage) and a 1995 4Runner(Liability).

Leon711 > Twingo Tamer - About to descend into project car hell. 05/30/2016 at 08:30

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I am only 24.

Twingo Tamer - About to descend into project car hell. > Leon711 05/30/2016 at 08:36

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Im 21 but 3 years does make a sizable difference.

That Bastard Kurtis - An Attempt to Standardize My Username Across Platforms > Cé hé sin 05/30/2016 at 08:45

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Ohhh, yeah that makes sense. It doesn’t put a cap on third party claims so much as it puts a cap on what my insurance needs to pay out. I suppose I would be responsible for the rest.

And tags = license plates. At least in Rhode Island, plates can move from car to car. I've got a plate that my grandfather had on an E Type and an XJS, then I had it on an XJ12 and a Mustang. I'm supposed to turn it in when I sell the car if I don't transfer it to another, but it's a low number plate, which is a desirable thing in RI. We're weirdos, haha.

Leon711 > Twingo Tamer - About to descend into project car hell. 05/30/2016 at 08:53

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I was only charged 750 for my mx5 at 21, just a variety of different circumstances I guess. Location, vehicle, where it’s parked mileage etc.

gmctavish needs more space > Twingo Tamer - About to descend into project car hell. 05/30/2016 at 10:19

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1000 for the year? That almost seems reasonable compared to insurance in BC....

Twingo Tamer - About to descend into project car hell. > Leon711 05/30/2016 at 10:51

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Yeah true.

Twingo Tamer - About to descend into project car hell. > gmctavish needs more space 05/30/2016 at 10:51

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Do you pay significantly more?

BiTurbo228 - Dr Frankenstein of Spitfires > Twingo Tamer - About to descend into project car hell. 05/30/2016 at 10:56

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It’s dogshit isn’t it?

How old are you? It’s significantly better once you hit 25.

If it’s a long way away, try speaking to your insurance company and seeing if they will mirror the no-claims on the Twingo with this car. Admiral did that with my MG F and it saved a ton.

E90M3 > Twingo Tamer - About to descend into project car hell. 05/30/2016 at 11:28

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Hot damn, when I got my M3 at 24 it was like $550 for full coverage per 6 months.

Twingo Tamer - About to descend into project car hell. > BiTurbo228 - Dr Frankenstein of Spitfires 05/30/2016 at 12:25

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I’m 21 about to turn 22. I’m considering taking out a multicar policy but for now the beemer is getting sorned and some much deserved TLC.

Twingo Tamer - About to descend into project car hell. > E90M3 05/30/2016 at 12:25

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They wouldn’t even let me near an m3 haha.

E90M3 > Twingo Tamer - About to descend into project car hell. 05/30/2016 at 12:40

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It’s about $100o for 6 months now cause I can’t drive, I find it insane how much it costs to insure cars there.

Twingo Tamer - About to descend into project car hell. > E90M3 05/30/2016 at 12:43

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Yeah its pretty bad. Im keeping it off the road for now while I fix her up. Im strangely enamored with this little car. I love that it still has that chunky solid feel the better german cars have while also being light and nimble. Plus being the smallest engine i have a good chance of running it reasonably when i get a bit older.

gmctavish needs more space > Twingo Tamer - About to descend into project car hell. 05/30/2016 at 14:58

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I pay about $2100 per year, on a 2006 Legacy. That’s not even full coverage, and it's with a 25% discount I believe

Twingo Tamer - About to descend into project car hell. > gmctavish needs more space 05/30/2016 at 15:14

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Yeah thats pretty high. Although at my age here they wouldnt even insure me on that car.

gmctavish needs more space > Twingo Tamer - About to descend into project car hell. 05/30/2016 at 15:18

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Oh wow, yeah that's under my name, not my parents name. I'm 21 so I don't get much lower rates until I'm 25 I think. I'll always be jealous of the cheapness of American car insurance

Twingo Tamer - About to descend into project car hell. > gmctavish needs more space 05/30/2016 at 15:33

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Yeah i really wish the rates were lower here.

gmctavish needs more space > Twingo Tamer - About to descend into project car hell. 05/30/2016 at 19:58

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One of the downsides of population density