Crossy Posted June 15, 2018 Share Posted June 15, 2018 Currently trying to find insurance for my girlfriend on a GT86, which came out at a very high £2,300; however, if she was to insure a BRZ it comes out with quotes of around £1,500. I have spoken to Adrian Flux and the person speaking through the issue with me didn't seem to understand the vehicles and kept making a relation to the postcode, engine size and models; she didn't seem to want to understand that they are in effect the same car with only very minor differences. Don't suppose anyone else would happen to have any information on why there is such a price gap? This has been on over 10-15 vehicles from each, so isn't simply just down to checking 1 registration of each car with 1 company. Any info would help greatly as she is itching to get a Pearl White 86 rather than having to settle for a BRZ. Thanks in advance! Quote Link to comment Share on other sites More sharing options...
Style Posted June 15, 2018 Share Posted June 15, 2018 It's all down to statistics really. More people claim on GT86's and in doing so, put the premium prices up for everyone as the car is classed as more prone to accident. Similar sort of thing used to happen with classic shaped Impreza's. They were nothing special, 2.0l turbos but were cheap as chips to buy. Numptys would scoop them up, insure them and write them off so insurance companies started making them harder (more expensive) to insure in order to scare the boy racers off Quote Link to comment Share on other sites More sharing options...
Scooter Posted June 15, 2018 Share Posted June 15, 2018 It's all down to statistics really. It's a big swing when you consider the Subaru/Toyota badges aren't really anything to choose between ie you wouldn't expect either demographic to be any more or less risky than the other would you? Unless the Subaru's do have a subtle difference in geometry or suspension that makes them a tiny bit more stable/controllable etc, but I under the impression they were identical? Quote Link to comment Share on other sites More sharing options...
Style Posted June 15, 2018 Share Posted June 15, 2018 It's a big swing when you consider the Subaru/Toyota badges aren't really anything to choose between ie you wouldn't expect either demographic to be any more or less risky than the other would you? Unless the Subaru's do have a subtle difference in geometry or suspension that makes them a tiny bit more stable/controllable etc, but I under the impression they were identical? That's not the statistics I'm meaning mate. It's more the statistics of insurance claims under each car regardless of their specs. They may have been similarly priced for insurance when they were first released. But over time, more people have filed insurance claims in the GT86 over the BRZ in the OP's area. That then makes the GT86 more prone to an insurance claim over the BRZ and warrants a more expensive premium Quote Link to comment Share on other sites More sharing options...
Scooter Posted June 15, 2018 Share Posted June 15, 2018 I meant the same even if I didn't explain myself well. I was trying to say I can't see why the differences in claims would be so high, ie why more would happen to Toyota ones compared to Subaru ones to cause this differential? Quote Link to comment Share on other sites More sharing options...
Thorin Posted June 15, 2018 Share Posted June 15, 2018 So many more GT86's on the roads = more claims I guess. Can't remember the last time I saw a BRZ version. Quote Link to comment Share on other sites More sharing options...
Crossy Posted June 15, 2018 Author Share Posted June 15, 2018 Thanks for the info guys, makes sense when you break it down into statistics I guess, even if it doesn't make sense that they're effectively the same vehicle. May have to steer her towards a BRZ then unfortunately! Quote Link to comment Share on other sites More sharing options...
Style Posted June 15, 2018 Share Posted June 15, 2018 I meant the same even if I didn't explain myself well. I was trying to say I can't see why the differences in claims would be so high, ie why more would happen to Toyota ones compared to Subaru ones to cause this differential? Ahh got you now But yeah the OP is a good example really...only wants an 86! As Thorin mentioned as well, I can't remember the last time I saw a BRZ Quote Link to comment Share on other sites More sharing options...
Scooter Posted June 15, 2018 Share Posted June 15, 2018 Yes but surely it goes down to % of ownership!? 100 GT86's sold 20 BRZ's then if 5 claims on GT86's and 1 on Brz's it's the same risk ratio? 4 claims on the GT86 and 2 on the Brz's the Brz is more risky despite the overall claim numbers? Quote Link to comment Share on other sites More sharing options...
Gaz6002 Posted June 15, 2018 Share Posted June 15, 2018 It's a big swing when you consider the Subaru/Toyota badges aren't really anything to choose between ie you wouldn't expect either demographic to be any more or less risky than the other would you? Unless the Subaru's do have a subtle difference in geometry or suspension that makes them a tiny bit more stable/controllable etc, but I under the impression they were identical? The BRZ has softer rear suspension so it's less tail-happy and hence safer than the 86 - especially in the wet or snow. I'd imagine there's also the factor that you're more likely to take care of a BRZ, given you'd need a reason to buy one over the Toyota with its larger dealer network and cheaper finance options. It appeals to enthusiasts fractionally more, in other words. We've just bought a BRZ. Fabulous car Quote Link to comment Share on other sites More sharing options...
Scooter Posted June 15, 2018 Share Posted June 15, 2018 The BRZ has softer rear suspension so it's less tail-happy and hence safer than the 86 - especially in the wet or snow. Well that makes more sense! Quote Link to comment Share on other sites More sharing options...
Crossy Posted June 15, 2018 Author Share Posted June 15, 2018 Looking like she will have to swing over to wanting a BRZ then if that's the case! Glad to see there may be some form of theory behind it rather than insurance companies trying it on at any avenue... Quote Link to comment Share on other sites More sharing options...
jagman Posted June 15, 2018 Share Posted June 15, 2018 Statistically the average person has less than 2 legs !!! Quote Link to comment Share on other sites More sharing options...
Recommended Posts
Join the conversation
You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.