Guest RayRoocroft Posted October 12, 2010 Share Posted October 12, 2010 Hi Guys, Ive used the search facility in regards to searching for good insurance companies, thanks to Purity14 (or Brendan i believe?) ive found a good company daaa'n saaaaa'f that'll do me a good deal, but here is my sticky predicament id like to discuss... I am looking into the ownership of a supra and really insurance is the thing that stops me from getting the twin turbo model. I am willing to pay up to £2200 for it however the rub being alot of places are ring around and mess about. Im currently trying to establish what trends there are in insurance with regards to the manual vs auto, turbo vs na, and it seems the auto's are much cheaper than the manuals, and of course imports are FAR more expensive than the UK spec. I can get insured on a UK spec turbo for £1200, yet an import is £2900? a couple of questions: - If I was to buy a cheaper NA manual/auto model, how costly would it be to put the TT manual lump in? would you recommend this? - If I was to buy the Automatic TT model, how easy/costly would it be to convert to manual? would you think this worthwhile? feels like so many combinations and naturally I wanted to seek the advice of the owners club having been on zsoc for 5 years (Ford Fiesta Zetec-S owners club). Any help appreciated and it seems a great club to be part of! hopefully once im in ownership of a Supra ill be able to meet more of you Quote Link to comment Share on other sites More sharing options...
Gaz6002 Posted October 12, 2010 Share Posted October 12, 2010 Welcome An auto-manual conversion will be the expensive bit. Most charge at least £3k for DIY, £3k-£3.5k including labour. A TT conversion usually costs around another £3k. IMO you're better off buying a nice TT and contacting specialist insurers like Sky (on here). I'd expect a converted NA to be much harder to insure than a TT. Don't discount the auto either. It's a pretty good 'box as mid-90s autos go. Quote Link to comment Share on other sites More sharing options...
Guest RayRoocroft Posted October 12, 2010 Share Posted October 12, 2010 Welcome An auto-manual conversion will be the expensive bit. Most charge at least £3k for DIY, £3k-£3.5k including labour. A TT conversion usually costs around another £3k. IMO you're better off buying a nice TT and contacting specialist insurers like Sky (on here). I'd expect a converted NA to be much harder to insure than a TT. Don't discount the auto either. It's a pretty good 'box as mid-90s autos go. Hi Mate cheers for the warm welcome! having had various quotes, the imports bring up ludicrous amounts with the insurance companies! im 23 nearly, 3 years ncb and 5 points (dont ask ) and comes out as Twin turbo UK model - £1201 Twin Turbo import - £2850 Go figure because its beyond me how the same insurance company can justify a price £1600 more for what? the same car. Also it looks as though the UK TT models are very few and far between. My budget was looking at roughly £5000-£5500 which i dont think would fetch me a UK TT would it? *sigh* Quote Link to comment Share on other sites More sharing options...
Digsy Posted October 12, 2010 Share Posted October 12, 2010 How would byyong an NA and converting it to a TT or buying an auto and converting it to a manual help you with insurance? You would have to declare the mods anyway and probably wind up paying more than if you had simply bought a TT manual in the first place... Quote Link to comment Share on other sites More sharing options...
stevie_b Posted October 12, 2010 Share Posted October 12, 2010 It's the fact the JSpecs are imported that puts the insurance up: Insurance difference for... NA JSpec vs TT JSpec - not as much as you'd think TT manual JSpec vs TT auto JSpec - not much TT UK Spec vs anything JSpec - lots! Quote Link to comment Share on other sites More sharing options...
Gaz6002 Posted October 12, 2010 Share Posted October 12, 2010 Hi Mate cheers for the warm welcome! having had various quotes, the imports bring up ludicrous amounts with the insurance companies! im 23 nearly, 3 years ncb and 5 points (dont ask ) and comes out as Twin turbo UK model - £1201 Twin Turbo import - £2850 Go figure because its beyond me how the same insurance company can justify a price £1600 more for what? the same car. Also it looks as though the UK TT models are very few and far between. My budget was looking at roughly £5000-£5500 which i dont think would fetch me a UK TT would it? *sigh* UK cars are *much* rarer, and I doubt you'll find a nice one for your budget. It's a well-known fact (on this site) that UK specs are cheaper to insure. The risk factor is much greater for the insurance company on an import for a variety of reasons (cost to repair is generally higher, maintaining the car is considered more expensive, lower prices mean the type of people buying are usually higher risk). However, you'll get more for your money with an import car as they don't command such a high premium in the sales arena. With your budget I'd forget about a UK spec and find a decent spec import TT, then get quotes from companies like Sky Insurance, Lancaster, Adrian Flux etc. You'll need to phone them though, don't go online to do it. Make sure you declare all mods too. Quote Link to comment Share on other sites More sharing options...
Guest RayRoocroft Posted October 12, 2010 Share Posted October 12, 2010 How would byyong an NA and converting it to a TT or buying an auto and converting it to a manual help you with insurance? You would have to declare the mods anyway and probably wind up paying more than if you had simply bought a TT manual in the first place... was thinking in terms of buying the car in the first place due to the UK manual TT's costing quite alot, more than my budget initially set out to be. ive seen NA's go from £2500 which I think is incredible and wondered how much the conversion cost, as if it was significantly less than buying a UK tt it may have been worthwhile Quote Link to comment Share on other sites More sharing options...
Guest RayRoocroft Posted October 12, 2010 Share Posted October 12, 2010 UK cars are *much* rarer, and I doubt you'll find a nice one for your budget. It's a well-known fact (on this site) that UK specs are cheaper to insure. The risk factor is much greater for the insurance company on an import for a variety of reasons (cost to repair is generally higher, maintaining the car is considered more expensive, lower prices mean the type of people buying are usually higher risk). However, you'll get more for your money with an import car as they don't command such a high premium in the sales arena. With your budget I'd forget about a UK spec and find a decent spec import TT, then get quotes from companies like Sky Insurance, Lancaster, Adrian Flux etc. You'll need to phone them though, don't go online to do it. Make sure you declare all mods too. cheers for the advice mate, I was thinking this would be the way to go however I just wanted to confirm my suspicions before hauling my savings towards a car I know this is a very very very cloudy question and vague, but what do you think a "reasonable" quote for a 24 year old with 3 years ncb and 5 points would be (may insure when im 24). im getting quotes that are around £2800 from on website comparisons etc but obviously i can get it significantly lower than that. Also taking into account ill be putting 5k miles on my policy as it wont be driven to work and back, simply a few times at night and mainly weekend! Quote Link to comment Share on other sites More sharing options...
Gaz6002 Posted October 12, 2010 Share Posted October 12, 2010 cheers for the advice mate, I was thinking this would be the way to go however I just wanted to confirm my suspicions before hauling my savings towards a car I know this is a very very very cloudy question and vague, but what do you think a "reasonable" quote for a 24 year old with 3 years ncb and 5 points would be (may insure when im 24). im getting quotes that are around £2800 from on website comparisons etc but obviously i can get it significantly lower than that. Also taking into account ill be putting 5k miles on my policy as it wont be driven to work and back, simply a few times at night and mainly weekend! You won't be able to get a decent quote on a modified car on one of those websites. If your situation I'd expect - and actually paid - around £2k. Quote Link to comment Share on other sites More sharing options...
Guest RayRoocroft Posted October 12, 2010 Share Posted October 12, 2010 You won't be able to get a decent quote on a modified car on one of those websites. If your situation I'd expect - and actually paid - around £2k. hey hey hey, who says its going to be modified hey? ill probably do the same as what I have done to my current car: http://sphotos.ak.fbcdn.net/hphotos-ak-snc4/hs688.snc4/62806_436085441436_714481436_5763804_3737594_n.jpg completely standard bar the car being lowered 40mm on shocks and springs. I expect £2000 certainly so if i can get it to that i will probably go for it again thanks for the advice and any further information would be appreciated! ive seen plenty of guides on how to smarten up the supra without splurging on modifications which is what I have done on my fiesta and what I plan to do to the supra ps what would a decent (not mint) UK TT Supra fetch? Quote Link to comment Share on other sites More sharing options...
Gaz6002 Posted October 12, 2010 Share Posted October 12, 2010 ive seen plenty of guides on how to smarten up the supra without splurging on modifications which is what I have done on my fiesta and what I plan to do to the supra Your Fiesta is modified though! Quote Link to comment Share on other sites More sharing options...
Purity14 Posted October 12, 2010 Share Posted October 12, 2010 With the companies I suggested like Footman James or Lynbrook Insurance, you will need to have a second car. It may be more cost effective to have a daily drive AND your supra, insuring them both can be cheaper than just owning a supra and insuring it on its own. Silly, but its true! Quote Link to comment Share on other sites More sharing options...
Purity14 Posted October 12, 2010 Share Posted October 12, 2010 If you kept your 'Fezza' as you more than likely call it, £3250 will get you a ropey auto N/a including a years insurance. Quote Link to comment Share on other sites More sharing options...
Guest RayRoocroft Posted October 12, 2010 Share Posted October 12, 2010 Your Fiesta is modified though! lol as i said all that is changed is the suspension, that is it, all the rest is Ford OEM parts that came on the car With the companies I suggested like Footman James or Lynbrook Insurance, you will need to have a second car. It may be more cost effective to have a daily drive AND your supra, insuring them both can be cheaper than just owning a supra and insuring it on its own. Silly, but its true! If you kept your 'Fezza' as you more than likely call it, £3250 will get you a ropey auto N/a including a years insurance. suprisingly enough, im not a chav, and therefore dont own a FeZzAr Y0 Simply have a Ford Fiesta as they are fun, economical cars for a person that bought it when he started driving. I dont want a ropey NA auto, I mostly desire a TT model, import or not. Failing that I will not be bothered one bit by having an NA model but we will see what comes around. Im considering doing the sensible option of holding out and carrying on saving so that I can buy a TT UK and insurance outright. Quote Link to comment Share on other sites More sharing options...
Gaz6002 Posted October 12, 2010 Share Posted October 12, 2010 lol as i said all that is changed is the suspension, that is it, all the rest is Ford OEM parts that came on the car As I said, modified Quote Link to comment Share on other sites More sharing options...
Guest RayRoocroft Posted October 12, 2010 Share Posted October 12, 2010 As I said, modified ok ok i know but hardly extensive. After Purity14's post, do people think im a chav owning a fiesta or something of the sorts? Quote Link to comment Share on other sites More sharing options...
Gaz6002 Posted October 12, 2010 Share Posted October 12, 2010 ok ok i know but hardly extensive. After Purity14's post, do people think im a chav owning a fiesta or something of the sorts? No, we all started somewhere mate. As Fiestas go yours isn't bad at all. I think Purity was just commenting that most people call them 'Fezzas'. A lot of people say Supe instead of Supra too. Quote Link to comment Share on other sites More sharing options...
Vicky Posted October 12, 2010 Share Posted October 12, 2010 Try putting a parent on as a named driver, usually brings the price of insurance down Quote Link to comment Share on other sites More sharing options...
Guest RayRoocroft Posted October 12, 2010 Share Posted October 12, 2010 No, we all started somewhere mate. As Fiestas go yours isn't bad at all. I think Purity was just commenting that most people call them 'Fezzas'. A lot of people say Supe instead of Supra too. cheers for the comment mate. I hate the stereotypical "fezzers" talk as ive got a severe disliking for chavs! id happily line them all up and shoot them after several have keyed, scraped, etc against my car. little c units.... Try putting a parent on as a named driver, usually brings the price of insurance down yeah my old codger is a named driver on the policy but im not doing the typical youth thing of putting him as the main driver and me and the second Quote Link to comment Share on other sites More sharing options...
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