PDA

View Full Version : Now that's interesting... car insurance


northwind
22-08-06, 01:18 AM
Still gearing up to do my car test here, and casting a wee beady eye over what might end up in my driveway. There's 2 options here, either it'll be a complete skip, most likely a diesel, just to maximise the impact of the leaks. Either that or it'll be a Mk1 or 2 Golf GTI, classic Bug, Mk 4 Polo, or Corrado. Don't know why, it seems that if it's got to be smallish, I only like VWs.

But, here's a laugh for you... My insurance quotes for a Mk1 8V GTI worth £2000 are exactly the same as my quotes for a 2.9 litre VR6 Corrado worth £4000. Anyone make sense of that at all? Also, the V6 Corrado costs less than a 8V 2l (not even the supercharged one) making about 2/3 the power.

Not buying a VR6, I'm not stupid... I don't plan to kill myself this year, thanks. But seriously, what's wrong with these people that they consider an 8V GTI as much of a risk as the V6? It can't be all down to nickability, frankly I doubt a rusty Mk 1 has as much value as the Corrado?

Warren
22-08-06, 07:17 AM
how about an old VW beetle ?

strong and reliable, and really cheap on insurance :)


then add one of these
http://turbohaus.co.uk/

Marshall
22-08-06, 07:35 AM
I had a MK2 Golf Gti 8v

was uber fun, relable, and a decent size, quite happyly have one again

fizzwheel
22-08-06, 08:07 AM
umh.. Corrado... Drools....

I miss my MKIII Golf GTI :cry:

Viney
22-08-06, 09:25 AM
My mate ABT Corrado storm was very special.

I will never understand car insurance

TVR_Tracy
22-08-06, 09:29 AM
how about an old VW beetle ?

One of my mates HAD one of them up until about 2 weeks ago, she ended up paying a small fortune on it! I wouldn't touch one with a barge pole TBH...

But a Corrado, now you're talking ;-)

nickj
22-08-06, 10:59 AM
Get the corrado, superb cars.

Shame they ever stopped making them.

Ceri JC
22-08-06, 11:11 AM
Another thing I've noticed with car insurance is if you get something that's already pricey to insure, points/a ban make very little difference (10-20%). When trying to insure a smaller car, it doubles, or even trebles the premium. Doesn't make much sense to me; assuming speeding makes you more dangerous, surely in a bigger, more powerful car, you're proportionally more likely to: a) do more damage and b) have higher speed crashes? I know if I was an insurer I'd rather someone crashed at 40 in a 106 than at 100 in a 7 series BMW...

Daimo
22-08-06, 12:43 PM
Its becuase the performance on both cars are similar.

Golf GTi is an icon and driven by many petrol heads. Corrado only has its specialist followers.

The VR6 engine really aint as quick as you think fella. Astra GTE, 2 less cylinders, and 800cc less, and very similar perfomance.....

Its quite pokey in-gear though...

I'd have to go with the golf though as its a pure classic and handles likes it on rails. Lots less to go wrong as well. But hard to find a "good" clean example that hasn't been thrashed. Thats one bonus the Corrado has over it, less boyracer owners.

DoubleD
22-08-06, 12:49 PM
:twisted: Go for the Corrado.... collectors item now (I think)

fizzwheel
22-08-06, 02:24 PM
The VR6 engine really aint as quick as you think fella. Astra GTE, 2 less cylinders, and 800cc less, and very similar perfomance.....

Yep.. That VR6 lump is a heavy old beast. I looked at a few VR6's before I bought my MKIII 16v GTI. There wasnt a huge amount in it performance wise and the GTI I bought was mint where as all the VR6's I looked at had been driven by test pilots.

IMHO they should have kept that V6 lump and only fitted it to the corrado and not bothered with the MKIII VR6. That way the corrado would have stayed that little bit more special.

Along with my Corrado I'd also like.

MKI Golf GTI original and un-modified
MKII Golf G60 or Rallye
MKIV Golf R32

Skip
22-08-06, 02:30 PM
The VR6 engine really aint as quick as you think fella.
But OMG the noise.... :wink:

I love my 325i for the very same reason, sure its notvery quick by todays standards, but it just sounds just gorgeous... :D

Viney
22-08-06, 02:33 PM
Its becuase the performance on both cars are similar.

g*lf GTi is an icon and driven by many petrol heads. Corrado only has its specialist followers.

The VR6 engine really aint as quick as you think fella. Astra GTE, 2 less cylinders, and 800cc less, and very similar perfomance.....

Its quite pokey in-gear though...

I'd have to go with the g*lf though as its a pure classic and handles likes it on rails. Lots less to go wrong as well. But hard to find a "good" clean example that hasn't been thrashed. Thats one bonus the Corrado has over it, less boyracer owners.
Yeah, but its VW and not a Vauxhall. Nuff said ;)

Skip
22-08-06, 02:34 PM
Its becuase the performance on both cars are similar.

g*lf GTi is an icon and driven by many petrol heads. Corrado only has its specialist followers.

The VR6 engine really aint as quick as you think fella. Astra GTE, 2 less cylinders, and 800cc less, and very similar perfomance.....

Its quite pokey in-gear though...

I'd have to go with the g*lf though as its a pure classic and handles likes it on rails. Lots less to go wrong as well. But hard to find a "good" clean example that hasn't been thrashed. Thats one bonus the Corrado has over it, less boyracer owners.
Yeah, but its VW and not a Vauxhall. Nuff said ;)
A-men to that brudder! :wink: :lol:

Daimo
22-08-06, 03:11 PM
Can't disagree with the noise, they sound lovley. Had a ganders at this (BRB....)

http://www.dubsport.com/information.php?info_id=4

Will try to find the vid..

12 sec 1/4 mile, TWO VR6 engines (front and rear) with T3 turbos on each.

AS for Vauxhall and Vdub, pah, brand snobbery, don't see us Suzuki cheap thrills SV owners getting slated because of the quality, from other bike brand owners...

Easy guys, your bordering on Civic Type bReadvan owner attitude there :wink:

Fizzqheel, agreed, but would loose the R32 from that list.

Soryr to you Mk3 owners, but thats where it went all wrong on the golf :( Mk was an improvment, but still a barge, and easy to break your neck in (headrest issues in an accident).

Can't comment on the Mk5, but I know its more expensive to make than to sell, hence why they've pulled the plug on the Mk5 and are working on the Mk6... ;)

Going whey off topic now :lol:

fizzwheel
22-08-06, 03:25 PM
Soryr to you Mk3 owners, but thats where it went all wrong on the g*lf

The 8v MKIII was a huge let down. 115bhp in a heavy car and then to stick a GTI badge on it was wrong.

I had a MKIII 16v. 150bhp was much more fun :D and mine had the suspension sorted so it didnt handle like a boat either :wink:

northwind
22-08-06, 03:44 PM
Every Golf GTI from Mk2 onwards hasn't been a Golf GTI ;)

On the subject of weight, the difference between the V6 and G60 is about 120lb total, but that's not all engine. But the difference between the 16V (137 bhp and 133lb/ft) and the 2.9 V6 (190 bhp and 181lb/ft) is pretty big, more than with the Vauxhalls from memory. The difference being that the Vauxhall V6 doesn't break quite so often ;) 125bhp/ton vs 150bhp/ton, more or less...

I'd love a Corrado, but though I can afford to buy and insure one, I doubt I can afford to fix or crash one :) Even a wee 4-pot GTI's a fair old amount of car for a first one, I reckon. The Golf's got most of the same problems, but there's more bits out there if you bend them, and they're cheaper in the first place...

The Bug's a terrible temptation though... Cost nothing to insure by comparison, about 1/4 as much as even the 8Vs. And it's not like I'll need a power kick from the car, since no matter what I get the bike'll eat it alive. But I know I'd end up modding the hell out of one, so that's more expensive :)

Or, more likely, Astra diesel from the auctions :(

Daimo
22-08-06, 03:53 PM
If you want me to find you some info on anything Vauxhall mate, just ask, you've helped me out plenty of times :) (i.e which engine is best etc.>)

V6 Vauxhall engines, good lumps, sound nice, but IMO, under-powered and not much tuning scope other than Supercharging, but thats me and my "wannagofaster" tendencies.. :lol: But can be picked up in say a Cavalier for cheap as chips, or even the Omegas, but they drink lots... Im not a V6 man myself.

That dubsport vid, i can't see it at work, but if its the one im thinking (asked on a car site), then just turn up the volume, sod everythign else.

Mmmmmmmmmmmmmm pitsh..... :D 8)

http://video.google.com/videoplay?docid=-3582964599649062492

Law
22-08-06, 03:56 PM
Why do you have the Mk 4 Polo in your first list? I have a 1.2 one I think (2003 is a Mk 4, yes?) it's slow, solid(heavy) and boring. And I hate the look of front headlights.

fizzwheel
22-08-06, 04:01 PM
That dubsport vid, i can't see it at work, but if its the one im thinking (asked on a car site), then just turn up the volume, sod everythign else.


Thats the car I was thinking it was. I've seen it in the flesh a couple of times at GTI International. Has to bee seen to be believed. A bit to much away from standard for me but it sounded awesome 8)

northwind
22-08-06, 04:04 PM
The Polo's in there because it's slow and boring :) Because really, that's what I should be getting. But they're way nicer than most slow, boring cars. I just like how they look, really. I'd look at Corsas too but I don't like the look as much. But I seem to have become a VAG convert, for no apparent reason. Maybe because the term VAG amuses me? :)

Cheers Daimo... Though to be honest, there's not a Vauxhall that gets a look in for any reason other than utter, utter cheapness :) I'd get a Cavalier if I could, but it wouldn't fit in the driveway- I like Cavaliers... That's my dad's fault though!

Skip
22-08-06, 04:05 PM
I have had two Mk1 G0lfs and loved them both, a 1.6 diesel and a GTi - personally if you can find a decent one you wont go wrong with one of those :D

Skip
22-08-06, 04:10 PM
I'd get a Chavalier if I could
Just corrected that for you Northy... :wink: :lol:

fizzwheel
22-08-06, 04:11 PM
Daimo you are evil. You shouldnt really show Northy that video of the twin engined VR6 you know what hes like :lol:

mac
22-08-06, 05:00 PM
You cant beat a bug

http://upload4.postimage.org/926850/93_1_b.jpg (http://upload4.postimage.org/926850/photo_hosting.html)



http://upload4.postimage.org/926859/8a_1_b.jpg (http://upload4.postimage.org/926859/photo_hosting.html)


http://upload4.postimage.org/926862/7d_1_b.jpg (http://upload4.postimage.org/926862/photo_hosting.html)


100 quid a year to insure and no road tax....

What more could you want ????

simple simon
22-08-06, 06:39 PM
CORRADO!


Just make sure you check the electrics and the engine management systems are ok. If you get a good one, they'll run and run.

pm me if you ever need a full HPI report doing (I am in the trade)

Biker Biggles
22-08-06, 07:00 PM
Did'nt they do a G60 version of the Polo for a short while?That must have been a laugh.
I had a couple of 8 valve Scirrocco GTIs.Both quick,but for some reason the older one was always that bit more so.

fizzwheel
22-08-06, 07:07 PM
Did'nt they do a G60 version of the Polo for a short while?That must have been a laugh.
I had a couple of 8 valve Scirrocco GTIs.Both quick,but for some reason the older one was always that bit more so.

Yep IIRC it was called a G40.

Quedos
22-08-06, 08:06 PM
You cant beat a bug

http://upload4.postimage.org/926850/93_1_b.jpg (http://upload4.postimage.org/926850/photo_hosting.html)



http://upload4.postimage.org/926859/8a_1_b.jpg (http://upload4.postimage.org/926859/photo_hosting.html)


http://upload4.postimage.org/926862/7d_1_b.jpg (http://upload4.postimage.org/926862/photo_hosting.html)


100 quid a year to insure and no road tax....


BUT you don't have the same amount of salt being put down on the roads doen there!!!
That stuff eats cars alive up here esp when they put it down in 3 inch layers
shame really - great car

What more could you want ????

empty
22-08-06, 08:34 PM
Did'nt they do a G60 version of the Polo for a short while?That must have been a laugh.
I had a couple of 8 valve Scirrocco GTIs.Both quick,but for some reason the older one was always that bit more so.

Yep IIRC it was called a G40.

Correct. Not very reliable. Very rare and pretty fast. Later Mk4 Polos are very very heavy.

Astra Diesels - look for the mk3 turbo diesel, iirc there were two engine sizes as well. Engine made by Isuzu, pretty good, rest of car somewhat foul, don't see too many of them about these days. Newer shape ones much much better.

Avoid Ford diesels. They were pretty nasty until the TDCI stuff came out.

Don't buy a Renault 19 diesel unless it has a turbo, trust me it is about the slowest car you can imagine, which when allied with squishy suspension makes for dull progress.

Peugout and Citroen make the best small diesels. ZX is good and highly amusing when a turbo is added, plus is usually very cheap. Pug 306 is basically the same, but more expensive. 309, while ugly, makes a good banger and is light enough to not require a turbo, engines if looked after last forever.

If you go the air cooled VeeDub route, there are several experts on here (not me). Expect horrific fuel consumption.

Seat stuff pretty good and cheap too.

VAG parts have a reputation for not being cheap.

HTH,

MT

suicidesam
22-08-06, 09:48 PM
Think the main point of the insurance is that the Vr's are usually driven by the older boy racers (like me) and all the GTI's are normaly bought by the younger ones hence the price difference. Insurance on my 2.6 V6 A4 is 200 quid.. quote for the 2.0 Mk3 GTI that the wife drives.. £192?! Still tryin to work that one out :roll:

A GOOD Mk1 or Mk2 will easily make more money these days due to not many surviving the rath of the halfwit brigade :(
I've had a very large selections of VAG's over the last 10 years or so, about 8 MK1/Mk2 golf's and Jetta's.. all great cars, 2 Mk3 Golf's and Vento.. like driving a waterbed!! and 2 Passat Estate's (imported GT's) when 3 kids made a small car not an option :evil: and about 6 Audi's. Out of all of them including my A4 I'd go back to a Mk1 GTI tomorrow 8)
Never owned either a sirocco or Corrado... just never liked the look of them :smt102 Corrado's have to be got in the 2.9 flavour though :wink:

Good place to get info on all VW's.. just stick scottish vag into google an it'll give you the other forum that i use 8)

northwind
22-08-06, 11:15 PM
scottish vadge eh? Sounds good :lol:

Warren
23-08-06, 12:15 AM
You cant beat a bug

http://upload4.postimage.org/926850/93_1_b.jpg (http://upload4.postimage.org/926850/photo_hosting.html)



http://upload4.postimage.org/926859/8a_1_b.jpg (http://upload4.postimage.org/926859/photo_hosting.html)


http://upload4.postimage.org/926862/7d_1_b.jpg (http://upload4.postimage.org/926862/photo_hosting.html)


100 quid a year to insure and no road tax....

What more could you want ????

as i said.

www.turbohaus.co.uk

these kits really do work. now he is bringing in 13's on the 1/4 mile :)

northwind
23-08-06, 12:31 AM
On a stock crank? This is all just book-larnin' ;) But the aircooled VW cranks aren't balanced, from memory- they're forged and pretty strong, but running a lot of power or high engine speeds on the standard crank's often said to lead to ovalling the main bearing saddles...

Warren
23-08-06, 12:37 AM
i believe so,

the "test" bug hasnt shown any signs of problems just yet, and the owner does race it reguarly.

the kit was designed as a uni project, then went on to being sold.

but i dont know too much about engines and stuff.

northwind
23-08-06, 01:15 AM
Racing and road's different things, o'course, short high stress vs long repeated stress, but interesting to hear. Sometimes you get "golden rules" repeated by all the tuners, then someone comes along and kicks it over ;)

Warren
23-08-06, 08:36 AM
its also his only form of transport. so the car gets used daily too.

granted, he has had a few problems, but its all been bodywork issues. ie rust.

Daimo
23-08-06, 08:51 AM
Cheers Daimo... Though to be honest, there's not a Vauxhall that gets a look in for any reason other than utter, utter cheapness :) I'd get a Cavalier if I could, but it wouldn't fit in the driveway- I like Cavaliers... That's my dad's fault though!

Its funny, but I understand you completly :lol: Cheaponess.. UNless it like mine, in which case, its jsut a money eater. :x

AS for the bug, it'll break down more than the Vauxhall. Love Bugs (boom boom) though, friends still building a 2.2 from his original 1300cc, just from reading books. Only been 4-5 years so far :lol: Everythings painted underneath, porsche 5 stud alloys, disk brakes up front... Twin 48 carbs... 8)

He wants to spray it black and smooth a few bits out, but retain the standard look. HE's just got hold of those seats that stop halfway up your back. Should be running about 140bhp when setup, on citroen 2CV front tyres. Gearbox is the only weak point on the engine now..

http://images18.fotki.com/v24/photos/4/48802/959605/bugrear2censored-vi.jpg

http://images18.fotki.com/v24/photos/4/48802/959605/bugenginecloseup-vi.jpg

http://images18.fotki.com/v24/photos/4/48802/959605/bugwheelarch-vi.jpg

Those pictures are 2 years old, just been working on re-wiring the whole car, engine out, engine in, something else to do, engine out, engine in, something else to do, engine out etc etc...