VRS purchase and insurance

rico · 09-08-2005, 11:32

Hey guys,
I have been browsing these forums for the last few months and have decided to take the plunge and get me a vrs, hopefully this weekend. At my local dealers, wings, they have an 05 black, cruise, with 3500 on the clock for £12250. Now i know this is way too much, looking at autofinders they have 05 plates in for £10845 and new ones for £11695. Broadspeed are looking at £11130 + 280 for black paint. I have no experience of skoda dealers part from a test drive and wondered what sort of discounts they give off motors including buying a brand new vrs. I saw a post on here saying expect to get around 8% off which seems good. Does any one know what the current waiting time for black vrs's with no options are?

Also comes the point of insurance, i have been recently convicted of failing to stop and given 5 points. So far the best quote i have managed is ensleigh (spelling) for 1047 fully comp, 22 with 1 yr no claims. Are they any specialist insurance companies that you know of who might give a smaller premium. Before the conviction was looking at ~500 for the same as above.

Thanks to those who spare time to answer my questions. Keep up the good work, very informative forums!

Cheers
Richard

ScoobyChris · 09-08-2005, 11:36

Chris Knott offer a Briskoda discount, so they might be worth a try... have a look for the banner ad on here

Chris

darren evans · 09-08-2005, 11:44

I know u realise that was over priced but just to give an idea I got very much the same car 05 Black vrs cruise and multy cd player with 4k on clock for 11000 (Ish)

As for insurance my 1.8 focus was costing me 600 with budget swapped to the AA and got the fabia vrs insured for 480 worth a try.

Stevoraith · 09-08-2005, 13:14

Remember that if you've got a trade in you wont get as big a discount as internet prices.

I'm currently negotiating to buy one for sept delivery and they're giving us £1400 for the missus' Mazda which is £400 over top book (and it ain't a top book motor!). Realistically I reckon they'll maybe get £500 for it at auction, so in reallity they're taking £900 off the vRS (7% ish). I don't think they can come down much on that given that they'll lose on the trade-in.

Where we're trying to make up the saving is by negotiating good finance rates with the dealer and maybe trying to get freebies such as a service etc. Don't know if it'll work but I'll find out on Thursday when I go back to see him!

alexst · 09-08-2005, 13:50

Im selling mine, 04 plate, 37K on the clock, mint condition, need a quick sale, offers of around 9,500. Its a deisel so i wouldnt worry too much about mileage, just think of it this way, it has been run in for you!

Feel free to make an offer if you are interested, I live in south london, just moved there, hence the sale.

Thant £2000 over all than the cheapest one purchaced and only 6 months difference in price, and if you sell yours youll also get abot an extra £900 to play with!

Alex

Im 23 1 year no claims, and the best quote i could bet was £1,400, therefore your insurance will be paid in the difference in price...

Mort · 09-08-2005, 13:54

Quote:

Originally Posted by alexst

Im 23 1 year no claims, and the best quote i could bet was £1,400

24, 0 no claims and I'm getting £740 from Elephant (with a driver over 50 as a named driver on my policy)

Should drop £100 in a month with my 1 no claims.

alexst · 09-08-2005, 13:56

Check for sale or wanted for details of my Black Magic Fabia.

Alex

git-r · 09-08-2005, 22:39

Hey,
I got my dealer to match the price of £10,995 i found online and went for cruise and black paint taking it to £11,400.. Dealer said it would be 2 weeks for delivery even with options and amazingly it was

.. It arrived last week but i still havn't had time to collect it

.. If i'd bought online would have waited much longer and paid no less

Insurance wise i'm 27 with 7 years ncb, no accidents but have had 17 points including a cd30

since november 2000 and am paying £700.. Thing with insurance is to shop around till you can't bear to make anymore calls even if you might save £££'s

If your dealer says he can't match the starting price of £10,995 go elsewhere

DRJ · 10-08-2005, 08:32

Quote:

Originally Posted by rico

I saw a post on here saying expect to get around 8% off which seems good.

Dealers vary - mine wouldn't budge on list price and valued the trade-in at £2,500 less than Glasses Guide Trade...

alexst · 10-08-2005, 09:13

My dealer wouldnt budge when i bought mine either :-( £11,750 last may with metalic paint.

alltorque · 13-08-2005, 17:38

I've just had a quote for insurance renewal for my bog standard Fabia vRS of £450. I'm 58, retired, clean licence, a million years NCD, just wife as named driver, (details ditto), live in a low crime area and I think they're taking the michael. Suggestions ?

JUT · 13-08-2005, 18:13

I found that getting prices online and using them to harass the dealers worked - I got £1600 off the list price before I started adding options and ruining all my good work

Chris GB · 13-08-2005, 18:46

Quote:

Originally Posted by alltorque

I've just had a quote for insurance renewal for my bog standard Fabia vRS of £450. I'm 58, retired, clean licence, a million years NCD, just wife as named driver, (details ditto), live in a low crime area and I think they're taking the michael. Suggestions ?

41 low crime area, 22 years NCD 18000 mile pa £262.50 from Direct Line. The service level is excellent and as I have been with them for a long time,they seem to give lower renewal premiums than I can get with their online quote system (which was used to generate the quoted figure here).

Chris

Dr Zoidberg · 13-08-2005, 19:13

Quote:

Originally Posted by Chris GB

41 low crime area, 22 years NCD 18000 mile pa £262.50 from Direct Line. The service level is excellent and as I have been with them for a long time,they seem to give lower renewal premiums than I can get with their online quote system (which was used to generate the quoted figure here).

Chris

Same here , if you have been with DL for more than about 6 years you are probably on one of their older schemes that has no mileage limit and costs less than their new ones

DRJ · 13-08-2005, 20:34

Quote:

Originally Posted by Chris GB

41 low crime area, 22 years NCD 18000 mile pa £262.50 from Direct Line. The service level is excellent and as I have been with them for a long time,they seem to give lower renewal premiums than I can get with their online quote system (which was used to generate the quoted figure here).

Direct Line isn't competative if your record is less than clean.

After 6 points and a claim accident resulting in a (probably justified) 70% hike in renewal quote (despite protected NCB). I switched to Highway - as well as buying the relatively-cheap-to-insure vRS...

bryand · 13-08-2005, 23:14

Quote:

Originally Posted by alltorque

I've just had a quote for insurance renewal for my bog standard Fabia vRS of £450. I'm 58, retired, clean licence, a million years NCD, just wife as named driver, (details ditto), live in a low crime area and I think they're taking the michael. Suggestions ?

My profile is similar to yours, and I got quoted £404 from Chris Knott, so it may be worth giving them a ring.

Shifty · 13-08-2005, 23:29

My broker just quoted me £538.00 fully comp, full no claims, driveway overnight no points/modifications etc

I too rang Chris Knott, disclosed my modifications, remap etc, and my 9 points that my broker isn't aware of, and it's £500.00.
Worth giving them a call mate.

alltorque · 14-08-2005, 16:48

Thank you folks for Insurance info. Had a look online and got £278 from Lloyds TSB. Kinda weird as it's underwritten by Churchill who quoted me £450 for renewal. Should be an interesting telcon in the morning ! Direct Line online looks like £284.

DRJ · 14-08-2005, 20:34

Quote:

Originally Posted by alltorque

Thank you folks for Insurance info. Had a look online and got £278 from Lloyds TSB. Kinda weird as it's underwritten by Churchill who quoted me £450 for renewal. Should be an interesting telcon in the morning ! Direct Line online looks like £284.

Differing quotes from the same insurer are very common. When I insured my Subaru Impreza a Norwich Union quote from a broker was just over £500 compared to Norwich Union online at over £800 - and people try and suggest online quotations are cheaper!

09-08-2005, 11:32	#1
rico Briskodian Join Date: Jul 2005 Location: Lincolnshire Posts: 54 Members Car: Thanks: 0 Thanked 0 Times in 0 Posts	VRS purchase and insurance Hey guys, I have been browsing these forums for the last few months and have decided to take the plunge and get me a vrs, hopefully this weekend. At my local dealers, wings, they have an 05 black, cruise, with 3500 on the clock for £12250. Now i know this is way too much, looking at autofinders they have 05 plates in for £10845 and new ones for £11695. Broadspeed are looking at £11130 + 280 for black paint. I have no experience of skoda dealers part from a test drive and wondered what sort of discounts they give off motors including buying a brand new vrs. I saw a post on here saying expect to get around 8% off which seems good. Does any one know what the current waiting time for black vrs's with no options are? Also comes the point of insurance, i have been recently convicted of failing to stop and given 5 points. So far the best quote i have managed is ensleigh (spelling) for 1047 fully comp, 22 with 1 yr no claims. Are they any specialist insurance companies that you know of who might give a smaller premium. Before the conviction was looking at ~500 for the same as above. Thanks to those who spare time to answer my questions. Keep up the good work, very informative forums! Cheers Richard

09-08-2005, 11:36	#2
ScoobyChris Briskodian Join Date: Mar 2003 Location: Andover Posts: 18,265 Members Car: Fiat Panda Thanks: 16 Thanked 352 Times in 303 Posts	Chris Knott offer a Briskoda discount, so they might be worth a try... have a look for the banner ad on here Chris __________________ Holding up the traffic in a little Italian..........

09-08-2005, 11:44	#3
darren evans Briskodian Join Date: Jul 2005 Location: Midlands UK Posts: 75 Members Car: Thanks: 0 Thanked 0 Times in 0 Posts	I know u realise that was over priced but just to give an idea I got very much the same car 05 Black vrs cruise and multy cd player with 4k on clock for 11000 (Ish) As for insurance my 1.8 focus was costing me 600 with budget swapped to the AA and got the fabia vrs insured for 480 worth a try. __________________ 05 Black Magic VRS

09-08-2005, 13:14	#4
Stevoraith Briskodian Join Date: Jun 2005 Location: Kirkcaldy, Fife Posts: 224 Members Car: E46 330d Sport Thanks: 1 Thanked 8 Times in 5 Posts	Remember that if you've got a trade in you wont get as big a discount as internet prices. I'm currently negotiating to buy one for sept delivery and they're giving us £1400 for the missus' Mazda which is £400 over top book (and it ain't a top book motor!). Realistically I reckon they'll maybe get £500 for it at auction, so in reallity they're taking £900 off the vRS (7% ish). I don't think they can come down much on that given that they'll lose on the trade-in. Where we're trying to make up the saving is by negotiating good finance rates with the dealer and maybe trying to get freebies such as a service etc. Don't know if it'll work but I'll find out on Thursday when I go back to see him! __________________ 55-plate Silver Fabia v/RS -312mm brakes, Aero wipers and some silvervisions BMW 330d ///Sport 204bhp

09-08-2005, 13:50	#5
alexst Briskodian Join Date: Jun 2004 Location: Halifax Posts: 527 Members Car: Furby vRS Thanks: 0 Thanked 0 Times in 0 Posts	Im selling mine, 04 plate, 37K on the clock, mint condition, need a quick sale, offers of around 9,500. Its a deisel so i wouldnt worry too much about mileage, just think of it this way, it has been run in for you! Feel free to make an offer if you are interested, I live in south london, just moved there, hence the sale. Thant £2000 over all than the cheapest one purchaced and only 6 months difference in price, and if you sell yours youll also get abot an extra £900 to play with! Alex Im 23 1 year no claims, and the best quote i could bet was £1,400, therefore your insurance will be paid in the difference in price... __________________ Fajitas for dinner yum yum!

09-08-2005, 13:56	#7
alexst Briskodian Join Date: Jun 2004 Location: Halifax Posts: 527 Members Car: Furby vRS Thanks: 0 Thanked 0 Times in 0 Posts	Check for sale or wanted for details of my Black Magic Fabia. Alex __________________ Fajitas for dinner yum yum!

09-08-2005, 22:39	#8
git-r Briskodian Join Date: Jul 2005 Location: scotland Posts: 18 Members Car: Thanks: 0 Thanked 0 Times in 0 Posts	Hey, I got my dealer to match the price of £10,995 i found online and went for cruise and black paint taking it to £11,400.. Dealer said it would be 2 weeks for delivery even with options and amazingly it was .. It arrived last week but i still havn't had time to collect it .. If i'd bought online would have waited much longer and paid no less Insurance wise i'm 27 with 7 years ncb, no accidents but have had 17 points including a cd30 since november 2000 and am paying £700.. Thing with insurance is to shop around till you can't bear to make anymore calls even if you might save £££'s If your dealer says he can't match the starting price of £10,995 go elsewhere

10-08-2005, 09:13	#10
alexst Briskodian Join Date: Jun 2004 Location: Halifax Posts: 527 Members Car: Furby vRS Thanks: 0 Thanked 0 Times in 0 Posts	My dealer wouldnt budge when i bought mine either :-( £11,750 last may with metalic paint. __________________ Fajitas for dinner yum yum!

13-08-2005, 17:38	#11
alltorque Briskodian Join Date: Jun 2005 Location: Lincoln Posts: 86 Members Car: '06 Volvo S60 D5 SE Geartronic Thanks: 3 Thanked 1 Time in 1 Post	I've just had a quote for insurance renewal for my bog standard Fabia vRS of £450. I'm 58, retired, clean licence, a million years NCD, just wife as named driver, (details ditto), live in a low crime area and I think they're taking the michael. Suggestions ? __________________ Fabia vRS - Now departed and replaced by : Volvo S60 D5(185bhp) SE Geartonic. Bit of a cruise missile.

13-08-2005, 18:13	#12
JUT Briskodian Join Date: Aug 2004 Location: North London Posts: 1,204 Members Car: Thanks: 0 Thanked 0 Times in 0 Posts	I found that getting prices online and using them to harass the dealers worked - I got £1600 off the list price before I started adding options and ruining all my good work __________________ Fabia has SOLD! Weekend car: Cooper Green TVR Chimaera Daily driver: Carmine Red Vauxhall Omega... 2.0 LS... Auto... Estate... with towbar & drinking problem

13-08-2005, 23:29	#17
Shifty Ex Modder Join Date: May 2005 Location: Blackpool. Posts: 6,646 Members Car: Omega 2.5 V6 CDX Auto Images: 2 Thanks: 93 Thanked 177 Times in 112 Posts	My broker just quoted me £538.00 fully comp, full no claims, driveway overnight no points/modifications etc I too rang Chris Knott, disclosed my modifications, remap etc, and my 9 points that my broker isn't aware of, and it's £500.00. Worth giving them a call mate. __________________ <----- Add me on Xfire. Everyone knows someone called Dave. That's me - I'm Dave™

14-08-2005, 16:48	#18
alltorque Briskodian Join Date: Jun 2005 Location: Lincoln Posts: 86 Members Car: '06 Volvo S60 D5 SE Geartronic Thanks: 3 Thanked 1 Time in 1 Post	Thank you folks for Insurance info. Had a look online and got £278 from Lloyds TSB. Kinda weird as it's underwritten by Churchill who quoted me £450 for renewal. Should be an interesting telcon in the morning ! Direct Line online looks like £284. __________________ Fabia vRS - Now departed and replaced by : Volvo S60 D5(185bhp) SE Geartonic. Bit of a cruise missile.

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