jamjar15 Posted January 8, 2013 Share Posted January 8, 2013 tried to get a quote for a 2006 350z and i need a year driving a rwd car under 200 bhp, used to have an mx5 but didnt keep it long enough for it to count, anyone else have to do this for there i nsurance or is it just me? Quote Link to comment Share on other sites More sharing options...
Gudzy Posted January 8, 2013 Share Posted January 8, 2013 All depends on the company I suppose, Admiral are usually quite good for younger drivers amd didn't have any requirements like that with me. Try adding some experienced named drivers and their prices will fall. Quote Link to comment Share on other sites More sharing options...
ioneabee Posted January 8, 2013 Share Posted January 8, 2013 depends how old you are .......but mostly, no - try a different insurer Quote Link to comment Share on other sites More sharing options...
S1 HNK Posted January 8, 2013 Share Posted January 8, 2013 Never heard of this, presuming you are young though? Quote Link to comment Share on other sites More sharing options...
Ricey Posted January 8, 2013 Share Posted January 8, 2013 Under 200bhp?! Why on earth would an insurer stipulate that you need experience of driving a car UNDER a particular threshold? That makes no sense at all?! Quote Link to comment Share on other sites More sharing options...
Humpy Posted January 8, 2013 Share Posted January 8, 2013 Surely he meant over 200bhp..... Quote Link to comment Share on other sites More sharing options...
Ekona Posted January 8, 2013 Share Posted January 8, 2013 That would rule an MX-5 out by some margin. Just use a different insurer. Quote Link to comment Share on other sites More sharing options...
richmillions Posted January 8, 2013 Share Posted January 8, 2013 At 29 I was told some thing similar, they would only insure a rwd car under 170bhp. Despite them already insuring me in a 250bhp fwd car. I was told it was something to do with the amount of bmw's (318-320) getting written off. Don't know if that was bs or not. Got a decent quote from Admiral in the end. Quote Link to comment Share on other sites More sharing options...
rtbiscuit Posted January 8, 2013 Share Posted January 8, 2013 one of the insurers off here used to stipulate that before they would even look at insuring you that you need a 12 months of experience in the car. so basically go somewhere else, and if you haven't written the car or yourself off then we'll look at you. they are basically saying they thing the car is more than you can handle safely and they won;t touch you till you've proved yourself...in this case its your lack of experience in RWD. they think you'll spin out and spank it. therefore they don;t want to touch you. Quote Link to comment Share on other sites More sharing options...
Humpy Posted January 8, 2013 Share Posted January 8, 2013 one of the insurers off here used to stipulate that before they would even look at insuring you that you need a 12 months of experience in the car. so basically go somewhere else, and if you haven't written the car or yourself off then we'll look at you. they are basically saying they thing the car is more than you can handle safely and they won;t touch you till you've proved yourself...in this case its your lack of experience in RWD. they think you'll spin out and spank it. therefore they don;t want to touch you. Exactly this, was told to prove myself from the insurer for a year before they even looked at me. Now I am with them Quote Link to comment Share on other sites More sharing options...
jamjar15 Posted January 9, 2013 Author Share Posted January 9, 2013 (edited) pretty much as biscuit said, what i dont understand though is how is driving a 200bhp+ fwd car any different to a 200+ rwd only at a cars limits would any skill/experience be required and how often driving to work ect would be able to use it like that and surely if they were going to cause an accident they'd just as likely do it in whatever car they were driving whether it be fwd or rwd, the only time i think these rules would apply is on power hikes calculated as a percent rather than set figures compared to previous vehicles owned most vehicles can go faster than the UK max speedlimit so surely it'll be down to the driver which ncbs' should reflect also it is under 200bhp rwd they asked me to drive first which i think means nothing surely it would make more sense to drive a car limited at 200bhp would make more sense Edited January 9, 2013 by jamjar15 Quote Link to comment Share on other sites More sharing options...
DannyJames Posted January 9, 2013 Share Posted January 9, 2013 Hey, I'm a young and VERY new driver but was insistent upon having a nice/fast/rwd first car. The only car I could get insured on was an RX8 R3 so I bought it literally a week before passing my test. Insured it instantly through Aviva and got an amazing price, especially considering I have an 'M' postcode. To cut a long story short, nobody would insure me on a 350z but I kept checking each month if I could change the car on my current policy only to be disappointed and not provided with a quote. On my first year driving anniversary I tried again and got a quote that I was happy with, even though it's a hike from the cost of insuring myself on the R3. Anyway... if you are struggling to insure yourself and need a years experience on a 200BHP plus, RWD car then the RX8 is an option for a year and you can pick a regular model up very cheap these days. I personally hope you find a nice quote for a 350z though. Good luck! Quote Link to comment Share on other sites More sharing options...
glrnet Posted January 9, 2013 Share Posted January 9, 2013 I'm 59 and learnt to drive in rwd vehicles, had all sorts but because I hadn't driven a rwd regularly for a few years one insurer (can't remember who) said you need 1 years experience, walked away and went to Admiral now with Prestige. Just shop around. Quote Link to comment Share on other sites More sharing options...
jamjar15 Posted January 9, 2013 Author Share Posted January 9, 2013 reason i havnt done the obvious thing and gone to a different insurer is because the price on it is over 50% cheaper than anywhere so just going to have to wait it out especially as my policy on the 197 went down over 70% yesterday after asking for the 350 qoute Quote Link to comment Share on other sites More sharing options...
Ekona Posted January 9, 2013 Share Posted January 9, 2013 So who is this with? And who have you tried? I can't believe that any specialist is more than 50% cheaper than Admiral group. Quote Link to comment Share on other sites More sharing options...
rtbiscuit Posted January 9, 2013 Share Posted January 9, 2013 a high powered RWD car is far easier to spin out even just pulling away from standstill than the equivilant FWD. FWD is far safer ina corner if you go in too fast as understeer is easier to correct than oversteer. they want you to gain experience in RWD before going for more power. it makes sense to me. and to put it in context i've seen the difference. a few years back i did the nissan free race challenge. got through to the qulaifiers. and there were a mix of drivers both amatuer, novice and pro. all from different car backgrounds. and the funniest to watch were the guys who had only ever driven FWD cars. the qualifiying car was a race specc'd nissan 370z. and chatting with some of the guys before going up som eof the FWD boys were going on about how they were going to slid this part, tail brake that bit. oversteer this bit etc etc etc. what was funniest was then watching them spin on the spot. or go slide everywhere but on the track. there is a big difference between driving FWD and RWD. i learnt it by starting in smaller RWD cars and working up. been in them for 10 years now. and you drive them both very differntly. a FWD car can make a bad driver look good. but RWD can bite you in the arse if you don;t know what your doing. 1 Quote Link to comment Share on other sites More sharing options...
Madhatter Posted January 9, 2013 Share Posted January 9, 2013 Greenlight rejected me when I went from a 320bhp Focus ST to a 300bhp 350Z. Simply phoned Sky Insurance and they sorted me out - admittedly it was over double what I was paying for the ST all in - but alas no other real options if I want to continue modding. It's already come down for the renewal and I'm hoping that next year I can shop around (but hopefully Sky come back with a great offer!). Quote Link to comment Share on other sites More sharing options...
rabbitstew Posted January 9, 2013 Share Posted January 9, 2013 When i first got my zed I had problems similar to this from the specialist insurers I called up. They wanted at least a years experience of me driving high performance RWD cars. They didnt refuse to insure me, but gave me a ridiculous quotation. The fact i was 40, had 20 years NCB on my car, have 15 years NCB on my R1 motorbike and a 220bhp track car and had previously owned numerous "hot hatches" all made no difference at all. I just shopped around and eventually found someone else offering cheaper. Quote Link to comment Share on other sites More sharing options...
jamjar15 Posted January 9, 2013 Author Share Posted January 9, 2013 reason i havnt done the obvious thing and gone to a different insurer is because the price on it is over 50% cheaper than anywhere so just going to have to wait it out especially as my policy on the 197 went down over 70% yesterday after asking for the 350 qoute Quote Link to comment Share on other sites More sharing options...
AMT Posted January 9, 2013 Share Posted January 9, 2013 Before I got mine Direct Line stipulated I have TWO YEARS high powered car experience before they'd insure me... silly buggers. Go to Admiral, they've done me well. Quote Link to comment Share on other sites More sharing options...
skyinsurance Posted January 10, 2013 Share Posted January 10, 2013 reason i havnt done the obvious thing and gone to a different insurer is because the price on it is over 50% cheaper than anywhere I find that statement worrying... Ollie Quote Link to comment Share on other sites More sharing options...
Ekona Posted January 10, 2013 Share Posted January 10, 2013 You thinking that the insurer is really underselling the risk on it? Quote Link to comment Share on other sites More sharing options...
spursmaddave Posted January 10, 2013 Share Posted January 10, 2013 Our Insurance came down considerable after a year with the Zed, understandable really if you think about it Quote Link to comment Share on other sites More sharing options...
skyinsurance Posted January 10, 2013 Share Posted January 10, 2013 (edited) You thinking that the insurer is really underselling the risk on it? Prices which are that much cheaper than everyone else are usually wrong.. it could even potentially be with a bogus insurer, I've seen it before! Edited January 10, 2013 by skyinsurance Quote Link to comment Share on other sites More sharing options...
skyinsurance Posted January 10, 2013 Share Posted January 10, 2013 Our Insurance came down considerable after a year with the Zed, understandable really if you think about it Yes indeed, ownership makes a good difference to risk. Quote Link to comment Share on other sites More sharing options...
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