Crazy Impreza Turbo Wagon Insurance Quote!

[Capttrousers]

I was looking to buy a 1999 Impreza turbo wagon. Pretty original except for aftermarket end can. The car has 124000 miles and is for sale at £1700. I rang around a number of places for quotes. With a clean license, no insurance claims in 6 years, but no no claims bonus ( they don't count the 6 years I spent living in the US not claiming there).

The cheapest quote I got was from Adrian Flux and that was after I mentioned I was going to join the SOC if that helped the price at all.

They offered me coverage for $3900!! That's over twice the value of the car!

I literally fell off my chair! Am I missing something? I'm 47 married, have a boring desk job, own my flat but I live in London, so where do they factor in the risk to charge such a high premium ? The smallest dent would result in the car being written off, so it can't be that. I am completely at a loss.

 

[Pommy]

Wow, that is extrodinarily high. I'm 23 and I paid less than £1k for fully comp on a turbo 2000 saloon. Not sure why it is so high, send a message to Dan Adrian Flux on here and see what he says.

[quit]

I'm 29 I pay about 400 on my wagon

[BoozyDave]

playing devils advocate -

you have moved over here - you might have had loads of crashes that they won't be able to check

London - one of the most expensive places to get insurance, not meaning writing off your car, but if you crash how much damage could you do to someone else's car????

car history - have you had experience with fast cars? while you were in the USA you might have been driving powerful cars (hint, hint), your weekend car might have been a dodge viper or Camaro v8 for all they know

 

sometimes you can get cheaper quotes for modified cars. my renewal for a std 225bhp blobeye was £900, for a modified one with 330bhp it was only £800

[Nevell]

If it's an import it will double the price I was getting quotes from flux on a sti import for 2000 then a uk turbo was 450 and my 2002 bug wrx 600 plus it,s because it's a subaru were as I can get insured on a brand new focus st for like 450 lol insurance is !Removed! lol

[JusNoGood]

I'm 45 with a 04 blob. My premium is £200 but I've got 9+ years NCD. They said they game me a 85% discount so that would take it quite close to your quote.

[bitman]

if you can get a NCD certificate from the US insurance they might accept it here.

 

i could bring my 8 years UK NCD certificate to Australia and that was excepted.

[Gambit]

My brother had the same problem when he came back from Canada, he's not into cars though so just got a 1.8 Focus to drive.

[james26]

Just check on one of those insurance compare sites and fully comp for my forester s turbo is £800 im 26 I've got 3 NCB will a clean licence (now).

[Steveuk260.Esq]

NCD counts for everything the more NCD you have the better, basically having no NCD is like you are a new driver.

there are few other factors too, like, crime rate in your area, your age, car alarm system, points on your license, convictions, owning or renting house/flat, price of your car repairs if you had accident.

[quit]

as mines a third car. they let me use a letter from my company saying i been driving a company car for X number of years and they matched that no claims, at renewal time it showed i had that as no claims discount

[Tim]

I just moved to the UK and made a quote at gocompare and confused.com for WRX bugeye wagon and the price was 3500Ł pa :O :O :O i dont have any NCB and no UK driving licence yet. Is it normal price for the newcomers??

[stants]

Depends on age and area you live in too, most of the major insurance companies won't give favourable quotes to us

Try smaller brokers like sky insurance, Mark Richards, Keith micheals, and Adrian flux

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[Tim]

I'm 29, 11 yrs driving licence, living in Billingham close to Hartlepool, residential car park, 6,000 miles pa.

[Steveuk260.Esq]

I'm 29, 11 yrs driving licence, living in Billingham close to Hartlepool, residential car park, 6,000 miles pa.

Your issue is you don't have any NCB and that makes huge difference in price.

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[Jimmymac101]

With 0ncb id start looking for a car without a turbo! They basically class you a new driver and quotes will be through the roof! 

I have a 2008 impreza RX ( non turbo ) for sale 😉

James 

[Tim]

Thanks guys for all the replies. I made a research and there are some companies that accept NCB transfer from abroad (Elephant and Admiral for example). I'll make a quote and let you know about the price with the transferred NCB. Cheers!

[Scoobyghost]

Elephant and admiral are under the same company. Iirc diamond are also the same. You will notice thier quotation websites are the same. Strange but they offer different prices.

[Gambit]

I do a lot of work for someone who's just come back to the UK after working in Doha for just over a year. Some insurance companies wouldn't touch her, even though she had lived here for 9 year previous  and this is on a 1.6 clio. that she bought quick as she needed a car for 500 quid lol. she ended up with Swift cover. the gocompare sites I hate and won't use them. I'd try Adrian Flux we have club discount with them and Keith Michaels has been good from feedback with some or even Greenlight insurance they all specialise in performance car's. Again because you've just moved here might be the biggest hurdle with getting insured  but worth a try mate.