insuring toyota levin

eire1990

i am 19 with full licence and im looking to get a levin but im finding it hard to get any insurer to quote me i have been with quinn direct for over a year now but they wont switch my insurance over to a levin i have got a qute from insure.ie but im a bit warey of them as im not sure if they are any good if anyone knows anyother company or if you used insure .ie i would really appreciate any info

Atomic Pineapple

Levins are black listed cars, at 19 I'm surprised you even got a quote, you will more than likely have to take that as I cant see you getting any other quotes

Alanstrainor

Insure.ie is a broker, so they're not the ones who will be insuring you. So they're not "dodgy". I'd say you'll struggle to get quotes tbh, ringing around is the best option, online quotes are crap.

eire1990

thats what iv been doing the last few days i actully rang insure.ie they said the quote was for some company i never heard of id say il probly take that just like to know if anyone else had any dealings with

Anan1

eire1990 wrote: »

thats what iv been doing the last few days i actully rang insure.ie they said the quote was for some company i never heard of id say il probly take that just like to know if anyone else had any dealings with

How can we say if you won't give us the name of the ins co?;)

whadabouchasir

eire1990 wrote: »

i am 19 with full licence and im looking to get a levin

Why the hell do you want a Levin when you're only 19?

eire1990

why not there a nice car do you suugest i get a crapy civic instaed o sorry didnt give name of company they said it was loyds

jimmycrackcorm

whadabouchasir wrote: »

Why the hell do you want a Levin when you're only 19?

Probably feels suicidal.

Alanstrainor

jimmycrackcorm1 wrote: »

Probably feels suicidal.

This isn't after hours, any more nonsense and i'll take out the banning stick.

eire1990

o i see ya your not the first person to say that when i said i was getting one but if you dont drive like a complete idiot there fine

bongi69

Unfortunately Insurance Companies do tend to profile certain cars. Obviously a levin isn't your normal runabout, and they might have a higher claims history on this particular car than others. Even if you're not a boy racer (not saying you are ), the profile of the average owner of certain types of cars tends to be, and will have a higher risk, so this is compensated for in the insurance rates. This is similar to the fact that insurance for young males, no matter the licence or car, will always be expensive due to claims history etc.

So even if you were 39 with a full licence, it would still be dearer to insure the levin, than say an Avensis with the same size engine.

If you are a careful driver, maybe try ringing Hibernian and getting a quote, and then do the ignition course. Can wipe up to 40% off the premium, dependeing on how well you do in the test. I think this is discussed in another thread, just not sure where.

As mentioned before, I do have motor insurance experience with a broker.

eire1990

ya i found that when ringing round as soon as i said the make of car they said no straigh away i have been told by a few people that once you have a years no clams they have to quote you on anything is this true

hi5

eire1990 wrote: »

why not there a nice car do you suugest i get a crapy civic instaed o sorry didnt give name of company they said it was loyds

Lloyds? Never heard of them,sound way dodgy to me;)

http://en.wikipedia.org/wiki/Lloyd's_of_London

biko

Try www.brittoninsurance.com

eire1990

ya tried brriton gave me a fairly good quote

whadabouchasir

eire1990 wrote: »

o i see ya your not the first person to say that when i said i was getting one but if you dont drive like a complete idiot there fine

I'm about the same age as you and I wouldn't even consider getting one.Why?Because like you said the insurance is crippling and then you have to consider tax and the amount of petrol they would consume.My advice to you would be don't bother with the Levin,get a smaller car instead.just my two cents.

Mr. Presentable

A Levin is a Toyota Corolla, right? Just buy a standard one so, and build up a NCB. Then, in a few years if you still want one it won't be so hard to insure.

Your problem is:

1 Your sex
2 Age group
3 Car type

That's three strikes. 1 and 2 you can't change, but 3 you can.

Be safe!

jaffa20

eire1990 wrote: »

why not there a nice car do you suugest i get a crapy civic instaed o sorry didnt give name of company they said it was loyds

I'm with insure.ie who insure me with lloyds based in london. They are pretty well known, not dodgy. I've had no problems with them at all but haven't had to make a claim. Up for renewal soon and will probably stay if they match the reductions i'm getting from other insurance companies.

You'll find it hard to get better quotes at 19. My best quotes were from nononsense.ie (fbd) and insure.ie.

eire1990

thanks for that got a quote 2day from insure.ie for 1900 not bad considering i payed almost the same last year on a 1ltr so im used to paying over the top for insurance part of the joys of been a young male driver or as most seem to think a boyracer in ireland

Testament1

whadabouchasir wrote: »

and then you have to consider tax and the amount of petrol they would consume

Tax and petrol isnt that bad on these. I used to drive a 2litre turbodiesel and the tax on the levin is a nice bit cheaper. As for petrol the 6 speed box is handy and you can do good mileage if ya drive em properly.

dirtydiesel

I can offer you no advice on the insurance question you ask, I'm amazed how some people have tried to tell you off for your choice of car, maybe because your 19 they feel they have the right to do so.
What I can see is you seem like a sensible young lad and you know what you want so I wish you look and hope it works out well for you.

ShadowHearth

okay m8, if you whant get levin, your hearth whants it, then go for it.

they are not so powerfull, they have alot of bhp on paper, but on roads its tottaly different story. Superstrup suspention is beutifull, but its not for amazing irish roads m8. You will be sinking huge amount of money into it.

insurance now. You are with quin direct? If you got a qoute for ather company and it really suits you then do this: go buy the levin you whant, then just call your own company,and tell them that you just bought new car and whant details updated on your policy. They will ask you: " did you bought the car allready", just say: "yes,sir" . then they will just replace car on policy, maybe with you quids extra to pay. Will save you the hassel to swap insurances etc...

I did same last year, i was driving clk200 and whanted mx5, when i called for qoue, i was told i need to be 30 years old ( 23 and that time). I just bought car, and called them again: got insured for 7eu extra per month... you just have to love insurance compnies.

All haters just fudge off. Its like some kind of rasist here now, if you are a young lad,then you being written of in to wall even before getting in to car! If the lads whants a sports car, let him have it. dont have an advice? Say nothing then!

Atomic Pineapple

eire1990 wrote: »

ya i found that when ringing round as soon as i said the make of car they said no straigh away i have been told by a few people that once you have a years no clams they have to quote you on anything is this true

No its not true.

eire1990 wrote: »

thanks for that got a quote 2day from insure.ie for 1900 not bad considering i payed almost the same last year on a 1ltr so im used to paying over the top for insurance part of the joys of been a young male driver or as most seem to think a boyracer in ireland

€1900 isn't exactly over the odds, when I was 19 I was paying 4000 púnt on a 1.4 Ford Escort, that was over the odds!

cian1500ww

€1900 is brilliant, for me, 18 full licence, on a 1.9tdi Passat it's €2400 fully comp !!

eire1990

if i was to switch over insurance would i be charged a cancelation fee and if so would it be alot and that 1900 is for third party only

pdiddy

i would say if you want the car and have the money go for it,have u considered looking for a g6r corolla there a 1.6 6 speed also,fully loaded with all extras very nice car to drive i had one for two years and was sorry i ever sold it,also as its a corolla it was no prob to insure.can be hard to find one as there a rare car

eire1990

ya i had looked at a few but it was hard to find a good one as they are a fairly rare car id be worried about parts

Atomic Pineapple

eire1990 wrote: »

if i was to switch over insurance would i be charged a cancelation fee and if so would it be alot and that 1900 is for third party only

Yes you more than likely will be, your insurance company will be the only one able to tell you how much

pdiddy

really only parts that ud heve trouble getting wud be the six speed gearbox and maybe engine think everything else u cud get from a normal corolla,but like i said if u have ur heart set on a levin go for it dont let anyone else change ur mind for u

Testament1

pdiddy wrote: »

really only parts that ud heve trouble getting wud be the six speed gearbox and maybe engine think everything else u cud get from a normal corolla,but like i said if u have ur heart set on a levin go for it dont let anyone else change ur mind for u

SuperStrut parts won't be got from a normal Corolla but theres so many Levins around now you should be able to pick up some decent ones off a car for breaking by the time they need replacing. Anyway as for the insurance 1900 seems like a very good deal. I got quoted 1600 for mine from Quinn (21 years old, 4 years named driver). Id say take the quote and enjoy the car!:D

Senna

eire1990 wrote: »

if i was to switch over insurance would i be charged a cancellation fee and if so would it be alot and that 1900 is for third party only

You can try this; I take it you have insurance with Quinn, then they have to insure you on any new car you purchase while your in the middle of a policy, they can charge you an arm and a leg to change over, but if you have bought the car, they have to insure you.

A good few years back i bought an jap MR2, which quinn wouldn't quote. When i phoned up to change over (i knew they didn't insure import MR2's) I just said i've already bought it and they had to say OK. As it happened they only charged me a small amount extra and they renewed my quote every year, a lot cheaper than any other company i had priced. You might get lucky.