Hey I'm thinking of getting a polo gt and the insurance is quite cheap... for me anyway (£3000) but as soon as i declare mods such as lowering, exhaust and alloys they go crazy and wack on an extra £5000 bringing it to £8000.. To all the people who knows how it feels to be ripped off like this then do you declare these mods or not? its not like they're good mods anyway :( ideas people -.-

cheap £3000 how old are you have you had any bans?

I'm 18 with no bans, I'm also a new driver

Buy a lower model and mod that.

either that or dont mod it :( :/ would be hard not to though :) Does the gt have alloys as standard?

or dont even mod it build your no claims up mate get a couple of years no claims then insurance should come down a little bit mine has anyway

£3000???? thats not cheap..

Think thats what I'm going to do mate :) or act thick and by an already modded one then say nothin, reckon i would get away with it for saying my career is a mechanic ;D naaah il just build up my no claims

£3000???? thats not cheap..

Its the cheapest I've found, unless you can tell me any other cheap insurers.

£3000???? thats not cheap..

Its the cheapest I've found, unless you can tell me any other cheap insurers.

try adding your mum and dad on the list may knock it down keep lookin at different insurance tho they should be a cheaper one

£3000???? thats not cheap..

Its the cheapest I've found, unless you can tell me any other cheap insurers.

Have you tried our people? Sky Insurance, Chris Knott and Adrian Flux? If you tell them you're in Club Polo you get better rates too :)

£3000???? thats not cheap..

Its the cheapest I've found, unless you can tell me any other cheap insurers.

try adding your mum and dad on the list may knock it down keep lookin at different insurance tho they should be a cheaper one

My mums disabled with the dla and my dads got a work vehicle, insured by the work :( sooo.. got to pay it all myself

£3000???? thats not cheap..

Its the cheapest I've found, unless you can tell me any other cheap insurers.

try adding your mum and dad on the list may knock it down keep lookin at different insurance tho they should be a cheaper one

My mums disabled with the dla and my dads got a work vehicle, insured by the work :( sooo.. got to pay it all myself

oh okay mate you had a quote off direct line yet

I've not recently but a while back they basically at me ( they wouldnt quote me) unless I'm typing things in wrong?

Put your dad on as a named driver, it will still be your policy and build up your no claims all it means is that your dad is also covered to drive it. Having an experienced driver also on the policy can bring the price down

Also limiting your annual mileage can help as well as adjusting the excess can bring it down a little. All-in all tho due to your age you are never going to get it cheap. I feel sorry for any one passing their test now, it really is getting fucking stupid.