Honda Integra DC5 Insurance

lassykk · 25-03-2008 3:24pm #1

Hi

I'm tearing my hair out looking for insurance on a 2002 DC5 Honda Integra.

I'm 22
Full license 5 years
4 years named driver experience

Can not get a quote off anyone

I've tried Quinn, Britton, Xcess Direct, Hibernian, FBD & can't get any joy from any of them either as main insurer or a named driver.

I know there are people my age driving them but i don't know any of them personally

Where are they insured???

Atomic Pineapple · 25-03-2008 3:33pm

are you a member of http://www.itr-dc5.com/forum/index.php

if not join there and search for irish members and ask them how they got insured, type r's are notoriosly hard to get insured on, i'm 24 and i had awfull trouble getting insured on a dc2 and i had 3 years ncb.

your lack of ncb is whats killing you, you'll never get a decent quote without any ncb under your own name, named experience is practicaly worthless when the words type r are mentioned to an insurance company!!

have you tried the refusals method where you get refusal letters from 3 companies and go back to the first company you asked and they have to insure you, the quote could be anything though

unkel · 25-03-2008 3:59pm

lassykk wrote: »

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You have no NCB and you expect to be quoted on an Integra? Sorry if it is bad news, but you've got to be realistic here

Try driving a small engined low risk car like a Micra or a Fiesta with insurance in your own name for 2-3 years and try again after that...

Tenzor07 · 25-03-2008 9:30pm

I agree, forget about the DC5, you would have to be at least 25 before they would even consider you..

Why not go for an EK9 Civic Type R a 00 model? Great car.. good as your 1st performance Honda.. You could even get one with a K-20 Engine transplant, up to 250bhp from a well Tuned model.. and is lighter than the DC-5!

unkel · 25-03-2008 11:21pm

Tenzor07 wrote: »

Why not go for an EK9 Civic Type R a 00 model? Great car.. good as your 1st performance Honda.. You could even get one with a K-20 Engine transplant, up to 250bhp from a well Tuned model.. and is lighter than the DC-5!

Do you really think he'll get a quote on that? There's not a hope in hell...

NiSmO · 25-03-2008 11:54pm

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JHet · 26-03-2008 12:32am

i feel your pain man. Its very frustrating indeed.......

carchaeologist · 26-03-2008 12:36am

NiSmO wrote: »

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What was your premium?

unkel · 26-03-2008 1:03am

NiSmO wrote: »

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A new or nearly new 1.4 Golf is a completely different ball game in risk classification compared to a 6 year old Honda Integra

Think librarian / school teacher / junior accountant vs. well, a boy racer

Granted your car has 170BHP. I'm quite surprised you got a quote. Who are you insured with and how much is your premium?

Out of interest, I did a quick check on www.123.ie, filled in the details of an 18 year old and I was refused a quote...

Tenzor07 · 26-03-2008 1:29am

unkel wrote: »

Do you really think he'll get a quote on that? There's not a hope in hell...

Well as the CTR EK9 was never an official import, he would have to insure it as a Civic VTi ... Or just buy a VTi, can be modded up to 185bhp+

As far as having to quote you, not without a fight! I was told point blank that if i changed to a DC5 under my QuinnDirect policy that they would cease cover..

unkel · 26-03-2008 2:00am

Tenzor07 wrote: »

Well as the CTR EK9 was never an official import, he would have to insure it as a Civic VTi

Surely, you are not suggesting that the OP should lie to his insurance company? Just about the most stupid thing anyone could ever do tbh...

lassykk · 26-03-2008 10:19am

thanks very much for the replies lads/ladies... i appreciate the feedback.

i forgot to mention that i am currently insured on a 2.0l peugeot 406 coupe. my premium as a named driver is €650 and with quinn-direct its €690 under my own name (renewal quotes for 2008)

my car is 137bhp... i'm aware that a dc5 integra is around 200bhp (not sure of exact figure)... i'm actually not a boy-racer (although i've nothing against young car enthusiasts as opposed to boy racers) and chose a 406 coupe as i wanted a car that wouldn't attract the attention of every guard in the country... i recently drove a dc5 integra and loved it so as i was thinking of changing my car i was checking to see if i could insure the dc5... i assumed i would get a quote seen as i'm driving a 2.0l coupe as it is.

my other option is a 2.2 hdi 406 coupe

and yes i'm well aware that these 2 cars are the opposite ends of the motoring spectrum

the civic that was offered as an alternative is not an option... i like rare coupe cars and the 406 coupe/dc5 integra's offer a rarity whilst still being affordable.

JHMEG · 26-03-2008 11:53am

Integra, which is considered the finest handling fwd car ever built, is an enthusiasts car. Generally driven by those who are not so interested in having a pretty car, but instead a driver's car. No more popular with boy racers, but a lot more capable) than say a 320is.

Captain Slow IRL · 26-03-2008 11:56am

What about trying www.ryanair.com for a quote?!

lassykk · 26-03-2008 12:04pm

@ land9

no mention of car insurance anywhere on the site... appartently (more than open to correction) they took over FBD... who i tried to obtain a quote from and was declined

26-03-2008 12:28pm

Tenzor07 wrote: »

Well as the CTR EK9 was never an official import, he would have to insure it as a Civic VTi ... Or just buy a VTi, can be modded up to 185bhp+

As far as having to quote you, not without a fight! I was told point blank that if i changed to a DC5 under my QuinnDirect policy that they would cease cover..

What do you mean its not an official import?Every insurance company has them listed on there system as an EK9 seen as vtis are EK4.

Captain Slow IRL · 26-03-2008 12:30pm

Go to the top right hand corner and make sure Ireland is selected in the drop-down box. It should appear underneath it then.

"Insure Car" should be to the righ of "Ski"

lassykk · 26-03-2008 12:36pm

thanks for pointing that out land9 but they still won't quote me

Captain Slow IRL · 26-03-2008 3:39pm

I tried!

Would you consider a new shape accord instead? The petrol 2.0dohc ivtec is a lot of fun and if you go for a type s, you get type r performance in a much more comfortable car! Insurance should be friendlier as well.

like this!

lassykk · 26-03-2008 4:14pm

i don't deny the accord is a smashing car but i want to stick with a coupe shape... if the intregra is a no go i'll stick with the 406 coupe... cheers for your help though

Captain Slow IRL · 26-03-2008 4:52pm

Ya can't beat a coupe, unless it's an M5:D

Tenzor07 · 27-03-2008 12:24am

unkel wrote: »

Surely, you are not suggesting that the OP should lie to his insurance company? Just about the most stupid thing anyone could ever do tbh...

Nope, buts its a chance that a lot of CTR drivers take, im amazed by the amount of them out there without full licences or there own ncb's driving cars with 185bhp+, all of them under 25.. just because there are standard 1.6 official import civics they insure them as that..

galwaytt · 27-03-2008 12:33am

lassykk wrote: »

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LOL, they didn't take over FBD!! They're just acting as brokers...........

I put in my car, and got a no-quote too, but also got an email from them asking for more info - engine size, value, etc, and got a quote for Eur410. They asked me if I wanted to proceed with cover, and I said 'sure', and started the rest of the process.

5 minutes after after supplying the word 'Porsche', they changed their minds. ****. They were quite happy to take my money until they heard the brand name, and quoted 'we don't do performance cars...'. So, this is what I wrote back on that.....
Fair enough, but could I make a suggestion? That your website de-list anything over 2 litres. Maybe even 1.8. I say this as whilst aware of the badge on the front of my 968, and the comments it attracts, it's hard to reconcile the fact that my car is considered 'high performance' whilst my wife's 00 reg 1.8t Audi is 20bhp more powerful..............yet is not considered 'high performance' for insurance purposes............

I think to equate engine size, simplistically, with performance, is an out of date practice, which does not take into account any progress made in engine technology inside the last 30 years.........my 14 yr old 3.0 being approx the same power as current 2.0 Honda, is a case in point.........

Tenzor07 · 27-03-2008 12:33am

eireal wrote: »

What do you mean its not an official import?Every insurance company has them listed on there system as an EK9 seen as vtis are EK4.

Yea as per my previous point, lads are calling up insurance companies and insuring them as standard 1.6 "Irish" Civics, and not as EK9 Type-R's which were never officially imported into Ireland by Honda..

galwaytt · 27-03-2008 12:34am

btw, got full comp on the 968 from Axa for Eur604.

Henry Ford III · 27-03-2008 12:54am

Tenzor07 wrote: »

Nope, buts its a chance that a lot of CTR drivers take, im amazed by the amount of them out there without full licences or there own ncb's driving cars with 185bhp+, all of them under 25.. just because there are standard 1.6 official import civics they insure them as that..

Utter madness.

NiSmO · 27-03-2008 12:54am

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Tenzor07 · 27-03-2008 12:58am

Henry Ford III wrote: »

Utter madness.

Toyota Glanza Turbo's insured as Starlets etc...

Although insurance companys are copping onto this now, and theres a big risk of not getting a payout if you crash your car...

unkel · 27-03-2008 1:09am

Henry Ford III wrote: »

Utter madness.

+1 and thanks for quoting:

Tenzor07 wrote: »

Nope, buts its a chance that a lot of CTR drivers take, im amazed by the amount of them out there without full licences or there own ncb's driving cars with 185bhp+, all of them under 25.. just because there are standard 1.6 official import civics they insure them as that..

To any gobsh!te driver doing that - have you any idea what will happen to you when you are involved in a crash crippling someone? Obviously not. You'll never drive again. Most of the money you'll ever earn in your life until the day you die and including whatever you inherit will be taken away from you. And those are just some practical outcomes. Add guilt and shame on top of that although that wouldn't probably bother you :rolleyes:

carchaeologist · 27-03-2008 8:35pm

NiSmO wrote: »

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I dont mean to sound like an asshole, but how did you afford the golf GT, and that much for insurance?A GT golf is over 30 grand isnt it, a friend of mine bought one new last year, its a very nice car.

JHMEG · 27-03-2008 11:39pm

unkel wrote: »

have you any idea what will happen to you when you are involved in a crash crippling someone?

Eh, I think you're living in a fantasy world there unkel. It's because people do get away with this kind of stuff that they continue to do it.

I know a lad that when he was about 20 y.o. drank maybe 6 pints, got into his 2.0 turbo Celica and less than 15 mins later had killed a pedestrian. He left the scene, went home and his father called the gardai. When they arrived the young fella was drinking a brandy to "calm his nerves". He was done for some driving offence that ended up in him losing his licence for 10 years. That's all.

Honda Integra DC5 Insurance

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