Cupra 280 Insurance

[j.owen]

Hi guys,

This post isn't directly related to Cupra's however it is indirectly. I posted a few weeks ago about my decision to look in to buying a used 280/290. I've found a couple that I'm interested in and I'm ready to buy...

I'm 21 years old with just over 2 years driving experience. I'm currently insured on my Ibiza FR 1.2 TSI Black for £1000 p/a which is reasonable considering when I started the policy I had no NCB and 1.5 years named driver experience. My policy runs out early July, so if I was to buy a Cupra I'd need to inform my current insurer and make them aware of my change of car - I did this yesterday, expecting a pretty high hike in price, which I wouldn't of minded as it would only be for a couple of months until my policy runs out (insurance on a 280 is £1400 with 1 year NCB for me). However, they refused to insure me on this car, or any other car which has a capacity higher than a 1.8 (lmao?).

So, my issue is that I want to stay with this policy in order to get my 1st year of NCB, but I also want a change of car (preferably a Cupra) soon! This is a real first world problem I know, but I was just wondering if anybody has had any similar experiences and if there is a way in which I can have the best of both worlds?

Also, for insurance on the Cupra with the same insurer that quoted me £1400 without 1yr NCB (2 years named driver experience instead) it was coming up at £1415, weird? Anyway, I could do this but I would like to crack on with getting NCB rather than never doing so!

Sorry for the long-winded post, as I said please let me know if you have any experience, advice or guidance!

Cheers

 

[Deleted member 103408]

Sorry its been a very long time since i faced these issues. Firstly are you doing this online or over

 

[j.owen]

The quotes from the new potential insurer are online, I've been speaking to my insurer over the phone


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[Deleted member 103408]

The phone. I would phone and explain your current issue and see if they can do anything to help

 

[Deleted member 103408]

Many many years ago i got a ncb credit when i took out new policy dont know if they still do that. But i do think talking to insurance companies may help. There are a couple of insurance co. On the forum give them a chat

 

[Deleted member 103408]

Might be worth a call to new insurer and explain what your current company are doing to see if they can help

 

[j.owen]

Might be worth a call to new insurer and explain what your current company are doing to see if they can help

Yeah I suppose that's worth a try, do you think they could potentially honour 10 months NCB as a whole year, or accept it as 2 years named driver maybe?

 

[Deleted member 103408]

When i was a kid thats what they did for me. Gave me 1 year ncb after 2 years as named driver but it was a long time ago so dont know if they still do it. Only cost of a call to find out

 

[mardon]

One thing I've learned from insurance companies.. They don't do favors to save you money. You ether stick with your current for two more months or loose the first year.

I just had to pay £1400 for mine as my ncd had expired (6 years 31 years old).
Only one company accepted it so next year it will be £450 but for this year I take the hit.

 

[Springrollz]

I had to pay £1300 , first car I've ever been insured on 23y/o . Elephant

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[Curtly]

I'd say from experience save your walle, forgot the cupra and get an Fr.

I'd also suggest **** it and get the cupra by hook or by crook

 

[b8er1234]

Yea some insurance company's wont insure you on faster cars due to the potential higher risk. For example ive just recently went for a cupra 280 with aviva and they wont insure anyone who is under 25 years old which is just their policy. Im sure other companies have similar "rules" etc i would say wait the 2 months to get your first year ncb. Then any future premiums would be cheaper than if you hadnt of waited.

 

[j.owen]

One thing I've learned from insurance companies.. They don't do favors to save you money. You ether stick with your current for two more months or loose the first year.

I just had to pay £1400 for mine as my ncd had expired (6 years 31 years old).
Only one company accepted it so next year it will be £450 but for this year I take the hit.

That's exactly what I'm thinking. I'll have to stick with my current until July though

How can your NCD/NCB run out? Looks like I'm getting a good deal for £1.4k then!

 

[j.owen]

I'd say from experience save your walle, forgot the cupra and get an Fr.

I'd also suggest **** it and get the cupra by hook or by crook

I'm not interested in the FR's, had a few as hire cars over the years and not amazed, see too many of them on the roads too. Also, isn't it weird how the Leon FR has various engines (like literally double digits I think), yet there is no external differentiation between them? Maybe this is kind of appealing to in its own right.

Leon Cupra or Ibiza Cupra Black is where I'm going, heavily leaning towards the Leon Cupra after a recent test drive.

 

[kazand]

I'm not interested in the FR's, had a few as hire cars over the years and not amazed, see too many of them on the roads too. Also, isn't it weird how the Leon FR has various engines (like literally double digits I think), yet there is no external differentiation between them? Maybe this is kind of appealing to in its own right.

Leon Cupra or Ibiza Cupra Black is where I'm going, heavily leaning towards the Leon Cupra after a recent test drive.

Get the Leon Cupra.
Think of it this way. Leon Cupra = Supermodel. FR = Susan Boyle. They both have the same, er , parts, but one you most certainly would ( and want to be seen with) and the other... Well... Ok... But you wouldn't want anyone to know or see you would you?
You know it makes sense. Trust me. I know what I'm doing

 

[DEAN0]

How can your NCD/NCB run out?

All insurance companies do it.
If you don't hold insurance on a car for two years - your No claims is void.

Some will allow three years but two is most common.

 

[seatgraham]

Get the Cupra. But to resolve your dilemma, just register it to me. I'm looking to get a Cupra but not in a position to buy just now. Then you won't have the insurance issue. And I will of course run it in gently for the first couple of months. Sorted

But seriously if you can't afford it or you'll lose a lot by buying now suggest you wait. And you can prob get 1 wk free insurance. So one less week to wait perhaps...?!




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[j.owen]

Get the Leon Cupra.
Think of it this way. Leon Cupra = Supermodel. FR = Susan Boyle. They both have the same, er , parts, but one you most certainly would ( and want to be seen with) and the other... Well... Ok... But you wouldn't want anyone to know or see you would you?
You know it makes sense. Trust me. I know what I'm doing

There's no doubt I'm getting a Cupra, definitely not going for an FR! I just wish I didn't have the ball ache of waiting around until July!

On the plus side, I can save more money and the prices of used 280/290's will continue to fall.
There's manual 280's with less than 20k miles on a 14/64 plate going for £16k-ish now.

 

[j.owen]

Get the Cupra. But to resolve your dilemma, just register it to me. I'm looking to get a Cupra but not in a position to buy just now. Then you won't have the insurance issue. And I will of course run it in gently for the first couple of months. Sorted

But seriously if you can't afford it or you'll lose a lot by buying now suggest you wait. And you can prob get 1 wk free insurance. So one less week to wait perhaps...?!




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Haahah, no chance! I can afford it, everything is in place that's the most annoying part! However, my current car is a lease @ £132pm til' July also so I'd have to pay that off (50% of remaining payments, works out at like £264 and spend about £120 on fixing the rear bumper thanks to the old woman that reversed into it and scratched it down to the bone. But that cost is irrelevant as I'll have to pay it regardless I suppose.

I'll probably buy in June and insure it for a month before starting a new annual policy, allowing me to daily the lease until that premium is up and I legitimately have my 1yr NCB (touch wood).
Plus I will need some overlap as I can't go without a car!

 

[sunny99]

Yea some insurance company's wont insure you on faster cars due to the potential higher risk. For example ive just recently went for a cupra 280 with aviva and they wont insure anyone who is under 25 years old which is just their policy. Im sure other companies have similar "rules" etc i would say wait the 2 months to get your first year ncb. Then any future premiums would be cheaper than if you hadnt of waited.

This is what I have experienced in the past too, having 3 points at the time didn't help either There will be someone who will insure you though...and there will always be another second hand car in the near future. I cannot talk though, EVERYTIME I just "go to have a look" I've ended up with a deposit down, although they were from new so condition wasn't a consideration.

My suggestion would be to run out your current insurance, do some anonymous quoting from insurance companies and see who would insure you beforehand, and then try and play them off each other. Getting those NCB's up is key IMHO.

Good luck - I upgraded from an FR to the Cupra - you're right, completely different beast although try telling that my mate who thinks his FR is as fast