Why I HATE insuring my VW Mk7 Golf R DSG
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- เผยแพร่เมื่อ 22 ส.ค. 2018
- Hi all! This video is about car insurance and my experience in getting insured to date. I also discuss how badly we were treated when one of our cars was stolen 3 years ago
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Finally you’re back, before getting my Mark 7 Golf R I watched all your videos and I know so much about my car now, thanks a lot mate helped me a lot with my new car, all the bits and bats you’d never know like the storage compartments on the driver and passenger seat, plus how to move the arm rest, you truly have helped me a lot and before getting my car which I’ve had for 2 months now I know so much about it and it would never be possible without your help thanks a lot and keep up the good work and do make regular videos we miss you!
Thankyou so much man I really appreciate that comment. I’ve got another tips and tricks video planned as I found some more things. I’m delving into more maintenenace stuff too
Jay Kay yes! Can’t wait don’t disappear now thank you 😂🤣
Always check compare the Market...NEVER, EVER stick with the same insurer..they regard loyalty as an invitation to rape your wallet!
Yp admiral tried it with me and my golf .
It is a disgrace but it's true they should give us an incentive to stay with them
This is like my insurance this year I’m 25 and have been driving 8 years and have 6 years no claims last year I paid £600 for my Audi A3 with admiral I got my renewal letter last week the new price was going be £977 so I rang them up and was like wtf going on they managed to drop it down to £800 for me so went on compare the market managed to get my no claims protected and 20,000 miles a year and got it for £393 👌🏻
I wanna know how you got insurance for £200 on a Golf R........
All do it. Your first year is an entry rate the hope is enough stick around for the second year.
Great to see another video! Great content and really enjoy your videos.
Thankyou mate i appreciate the praise 😊
“ That’s the best bit of driving I’ve ever seen “ I have to give this a subscription 😂😂
Just got home checked notification said jaykay has uploaded video 😊 nice to see you back your videos have helped me go about buying a 65 plate golf r dsg and now 4 months into ownership
As for insurance out the 10 years I've been driving I've only stayed with insurance companies maybe twice, but as I've got older the price has settled and been able to stay with a company. Golf r for me was one of the cheapest performance cars to insure, s3 astra vxr, focus st, BMW 335d/530d just some of the cars I looked at and all between £200-£600 more a year
I need to chase insurance for my moped as im now paying double what I used to and can get it for quarter of the price elsewhere
It’s good to be back mate. I’m glad I managed to help you choose. How many miles have you done in your R? It’s interesting that you found the R cheaper to insure than a focus st. Very interesting that! I take it you live in London then with you owninga moped?
@@jaykay7932 yeah pal soon as I bought the car I had a good idea where everything is, bought the car with 15700 on the clocks in April its now got 19500 on it. Does what I need it to perfectly runs to work doesnt eat wallet when doing shopping runs and had a few blasts on country roads just awesome
I did fancy a focus st3 2015 face-lift well kitted out but the golf wasn't that much more expensive and £200 cheaper on the insurance, I'm guessing its the safety features that made the difference? I'm from Hull when I changed jobs couple of years ago needed some sort of transport to work, actually nice bit of fun in the sun on way to work
Be interesting to see if you do any drives out I'm planning next year to head to mach loop in North wales
Thats good mate. I hated it when i took my R home and had no idea how anything worked. I then tried to read the manual and i was too impatient and just wanted to be out in the car lol. One drive a few of my petrol head friends reckon needs doing is the north coast 500 in Scotland. One did it for his 40th bday in a leased 911 but i reckon thatd be fun in the R
@@jaykay7932 yeah it helps knowing so when you get in car got an idea, picked mine up from Birmingham was able to talk my partner through certain stuff on way home and show her some of the features.
A work mate did that in Scotland on his bike I need to speak with him see how he got on but should be ace in the R, I'm planning on going stage 1 at some point it's only a software update transforms the car from what I've been told and with it dsg won't impact on reliability aswell
yeah stage 1 is mad! It's as cheap as 800 (if you go the plug and play route) and you get 355bhp and a lot more torques! I'll do the same when I get chance. I think i'll give the plug and play mod a go first then there is a revo shop near me i think. It is so weird how much of a boost you get from Stage 1 yet stage 2 is expensive and you hardly get anything
Great to see you back mate. Been a long wait!!! In my experience you have to shop around takes days & days but best way to save money. Luckily I have been with Sky car insurance for a few years who always come lower than any other quote I get. Also what doesn't help is as live in between Wolverhampton & Birmingham and postcode makes a huge difference. My sister lives in Littleover, Derbyshire and when quoted on her postcode would save around £250 a year.
Hello mate and thankyou. I literally have been meaning to do a video and look how fast time has passed since my last video!! Next year il take a holiday just so I can shop around as I’ve been far too busy this year. Even when on the phone to them was during overtime! How are you? Have you decided on a car yet?
Jay Kay I sold my Audi in March as tax went to £555 and insurance £600 and decided to save the money. But then I needed a car as was hard to share with Mrs and dad as they need there cars. So couple of months later found a rare R32 with low tax band, Wing Back seats, sunroof, dsg and only 34k with full history plus 2 owners. lady owner who sold it had it for 10 years and in her 50's. Also was lucky as only 40 mins away in a village. But now left hip is killing me with right knee too, only done 100 miles since May. Got Pandora alarm system too with anti hijack as too many cars getting stolen.
I’m sorry to hear about your uhip and knee mate. Is that arthritis? What’s the r32 like on fuel? It sounds like you got a cracking car there! I don’t blame you for getting rid of that car at nearly £600 tax!
Jay Kay cartilage torn in right knee. Cancelled operation a few years ago due to my mum's alzheimer's. Hip got no time for xray or mri as mum is at advanced stage now and needs 24/7 care. Little 2 year old fell of the lounge table only 2 foot high and fractured her arm. Needed surgery in plaster now. Been so busy with them too and house work. Was looking at a Golf R as had the funds but thought a bit risky as not working and looking after mum only get £46 a week now on the DWP new carer scheme as Mrs works 25 hours. Plus dad wants to do some renovations around the house. When I went to get a few bits done at Midland VW in Cannock got 30 mpg on the trip on the motorway and normal roads. But when putting foot down a bit then you could see it going down. But I am that age now where you just want to chill and cruise. How come job change now? Loads of Golf R's on the road now plenty of this stupid lease scheme. Waste of time in my eyes
Blimey you have a lot on your plate then mate! Youre right about wanting to chillout at out age. I really enjoy doing long distance in my landcruiser as the airsupsension is so smooth and i dont have to worry about pot holes! The job change has come about because although i make good money with my job now, I dont have a pension. I met a few men recently who work as engineers for public infrastructure projects. One was 21 years old and he is on 120k a year!!! But also they were on a very generous pension scheme. I met a guy on this scheme recently who is about to retire. He gets 38k a year from his national grid pension (he left them when he was 55) and since he has left NG he has been working for Conica (i think he said) on 36k a year. Now he is about to retire with that pension too. He was on a nice number lol so id like to be in the same boat by that age!
You’re wasting your breath questioning the plebs in the call centre who answer the phones. They haven’t got a notion how it’s calculated. Ask to speak to an underwriter. I worked in the IT department for a large insurance company for a few years and the systems take basic data and crunch the numbers. The underwriters have a discretion they can factor in.
I never thought about that. That’s excellent advice! Thanks
Hi Jay great to have you back looking forward to more videos from you :-):-)
Good to hear from you mate. I hope you’re well!
Hi Jay i am great enjoy the bank holiday weekend mate :-)
Great to see you back in my sub box mate it’s been far too long hope you’re doing great! It is a joke insurance I could go on for hours about how much of a pain it is 😡
Glad to be back and to hear from you mate. What’s your experience with insurance then is it same? Goes up every year? I’m doing well otherwise mate how are you getting on??
Jay Kay I’ve only been driving a few years mate so it is going down as my no claims go up but it is far too expensive in the first place, yeah mate I’m doing sound, shocked that you’re looking for a career change?
Are you quite a young guy then mate? Yeah although I’m on good money for what I do my job and my career sector doesn’t have/ offer a pension. I spoke to several people recently who have top pensions and now realise getting a job with a good pension is the way to go! So looking to get into public infrastructure now as an engineer. If the house build begins first though then il be stuck with this job a bit so I can continue bringing decent money in to pay the way
Jay Kay yeah mate I’m only 20, only been on the roads 3 years so it is going down for me, and yeah infrastructure is a very decent career to be in, I’m shocked that your trade doesn’t offer a pension?
The company I work for is too small to offer any form of pension. But say I get a job at rock star or Sony I’d be in similar money but with a pension. But the pension you get in engineering is bullet proof. As it’s the final salary pension scheme. Very few jobs offer it now but it’s a bullet proof which beats inflation. In fact I don’t think all engineers get this pension now as it’s being phased out
Decent channel. I've subscribed I'll be watching some of your previous videos to get up to speed.
thankyou mate ive got a tips and tricks video hopefuly being filmed and uploaded tonight
@@jaykay7932 No problem. Awesome I look forward to it. 👍
I know it's an arse ache shopping around, but a few hours on the compare sites (initially setting up accounts with them). Means in future years your details are saved and takes 10min to find a good deal.
20 years old and insurance on an S4 B9 was £1600 for me if I had got the Golf R £1400 all in which is good for my age. Weird thing was the S3 was £3500! To insure.
Which area do you live in
Nice to have you back on here
Good to be back mate
Good to have you back mate. Be good to share your house building and do some general real life vlog stuff from time to time. I agree with the insurance, I was pissed off this year when mine was up for renewal. Some twat reversed into me and they told me I couldn't take my car to a main dealer and I had to use one of their recommended garages who pissed me around and had to redo the job. I've since found out that is a load of Crap, and it was my right to take it where I wanted, the reason they do this is it's cheaper for them. I haven't had an accident that was my fault the whole time I've been driving, touch wood, but my premiums are going up as if I have?? Doesn't make sense.
Glad to be back mate! I’ve never thought about doing real life vlog stuff but it’s an idea! I’d certainly vlog the house build. Ahh night mare and the thing is even though it’s not your fault it will go as a mark against your no claims bonus as well. It’s a bent game I hate insurance companies. They try to screw you over at every opportunity. Was it an I identified driver that damaged your car?
Jay Kay Yeah would be good to see the house build when you start it mate. The woman pulled out from a junction realised she was going yo get smashed into and decided to reverse into me instead. She admitted full liability so would my no claims still be affected as I wasn't aware of this?
Ah man that is shit. What car were you driving?? Im not sure to be honest. I know that whilst being investigated youre treated as if you are at fault and they put a marker against your policy. That in itself is bollocks but there you go. I know when answering questions on comparison sites they ask if youve made a claim regardless of fault in the last 5 years.
Jay Kay It wouldn't surprise me mate, they are robbing twats. I was driving an M140i, I couldn't resist that rear wheel drive and that engine, it's so much fun if you can look past the bread van looks.
What screen do you have for your vehicle?
Ive got over 20yrs no claims, came to renewal last month and the price was £480 up from £260, excuse was it was down to the R being 1 of the most stolen cars on our roads today. Went on a comparison site and found someone else willing to insure this highly stealable car for £275.
I was with L. V. (And it’s previous iteration) for over 25 years (as a discounted Civil Servant member) and as a reward for loyalty this year, they quoted me an extra TWO HUNDRED POUNDS despite earning maximum no claims bonus . I shopped and saved a total of over £300. “Buyer beware “.
Can't believe that fork lift bucket at 1:48, good job there was no HGV vehicles passing it would have ripped the side off.
Happened to me when I had a hot hatch, every year it went up. I was told it was the older the car got the more people get hold of the same model hatch and make claims. Heard of a lot of golf r being stolen so it’s not a low risk car. My insurance as gone up in the last few years but only by the increases in tax.
Yep golf r audi s3 etc all very high risk as these seem to be the cars that get stolen a lot!
Take a deep breath mate, you must feel better now you have got that off your chest. Been too long since your last video. Good to have you back.
Lol man I’ve started doing yoga with my woman so we’ll see if that helps 😂. Thankyou man it’s good to be back!
Recently done the APR stage 1 remap, well worth the money. 390bhp now. Really notice the extra torque in the mid range.
Blimey! You’ll beat the new rs3 from the lights easily! What the 0 to 62? And did you have to update the clutch?
I haven't used launch control yet since having done, but I have seen it is supposed to be down to 3.6 secs. No need to upgrade clutch as I have the DSG. The good thing about APR tune is once you have had it done you own the software so if you need to go to your main dealer with an issue they will flash it back to standard, then when you've finished at the (main stealers) they will flash the ARP software back on for £20.
That’s cool! I’m thinking of giving a plug and play a try first but Apr or revo has got a good reputation. How much did it cost you? Are you driving a mk7.5?
My mates Golf R insurance went up when they started being stolen, his was then stolen from a car park when He visited Liverpool, the car was recovered but written off but the insurance went up three fold. He decided to get a VRS Octavia instead. Insurance dropped by a third .
having your car stole from a car park when youre away from home has probably got to be worse case scenario. It is risky owning them. Loads of actual car jackings taking place as well.
I very rarely stay with the same insurance company for more than a year. When it's due for renewal I get on confused.com (I'm not an agent I've tried all those sites and they're always cheapest) and my insurance is usually less year on year. Takes 2 mins for a quote once your details are stored
I'm 39and been insured with Elephant for the last 8 years, have never massively increased premiums, some years they even went down a bit. 3 years on a 350z, 1 year on an A3 and the last 4 years on an S4 at £440
Hi. I have also learned the hard way like you. The hour or two spent on a laptop on the comparison sites and direct to the everyday language insurers pays off hundreds of times over. For car, house especially. I’ve saved thousands over the last ten years or so. Much more productive and satisfying than ranting at a low level in the show woman on the phone. Just do it man.
Hi mate. Yeah i agree however its when you dont hve time. Next year il take a week off and get on the blower. But i suspect prices are rising no matter where you go. At least i got that impression on the saturday i had 5 mins spare and used 3 comparisons sites. Each of the cheapest quotes were 550 - exactly the same as my quoted renewal. Next year will be intereting. I need to speak to people who own appreciating cars and see how they go about insuring
Hi I have a 2005 civic typer from new and it done 110000 miles and still going strong best car I’ve owned. my insurance has gone up each year yet like you clean license so this year I shopped around and saved £150
I’m getting ready to get my type r back on the road mate. Quality classic car. I’m dreadkng getting an insurance quote for mine as all my no claims are being used on the golf r
Where been hiding!!!! Love your video's
I'm defo got my pants pulled down. At 36 years old in Hertfordshire the cheapest I could get for my 2015 R was £700 🙈
lol thanks mate, i've just busy AF! Bloody hell your far worse off than me but im expecting it to go up again next year so wouldnt be surprised if i get a similar quote to you next. Did you shop around?
I did and everyone else wanted about £1000. Insurance are blaming the amount of R's getting stolen pushing up the premium. Even upgraded my immobiliser but made no difference 😐.
jesus 1k is ridiculous... back to paying teenage premium prices!! What a shit state of affairs where you get penalised for owning something a nice car. Thefts wouldnt be high if the police bothered clamping down. Its organised crime so they know whose behind it, just too gutless to stop it
The R’s are stolen so frequently because they are easy for thieving burglars to drive fast and the cops have no chance of catching them. They use them as getaway vehicles for further offences and dump them when they are finished. Its a tool of their trade and they are absolute magnets for the wrong sort of attention. Thats why insuring them is a joke. And the cops hate burglars as much as the next person, probably more. I’d say it took some guts for the cops to chase that stolen blue R up north at 100mph then plough into the side of it to stop it driving down the motorway the wrong way. Just not enough of them trained or equipped to do it.
mine was 365 quid this year. dont laugh but my 17 plate R has done 48,000 miles in nearly 2 years. just needing a third new set of tyres soon . some weeks i drive 1000 miles just for the hell of it.i love it
lol im glad youre loving your R mate. I still love mine too
Should have stopped at Gunthorpe for a beer 🍺
I do less than 12k km a year, many insurance pricing I've received were 700$+ for a single 2016 Golf TSI (not R !), no claim, no accident and I'm over 45yo in Canada. I got an insurance broker that found me a "deal" at 475$ which I took... I can't imagine what it would cost to insure a GTI or a R... Prior that I had a old 2000 Honda Accord that only had 135000km and it cost me 120$ insurance both sides !
Good video man, just brought my first car yesterday Toyota aygo 1.0L 06 plate. Got quoted £1.129.99 7000miles Black box I’m happy with that. Plan is too get two years ncb than get a golf r 🤙
Thanks mate. Not a bad first car! My first car was a nissan micra 1.2 gs 5 door which i bought from a old woman lol
Jay Kay Them Nissan micra’s are reliable af my mum owned one for like 7years no problems whatsoever, just the worst looking car to drive in my opinion 😂
mate i used to cruise around mine listening to snoop, biggie, 2pac with my mates. It had a sub and everything lol and everything was so cheap on it. Did look shit though lol
@@jaykay7932 just seen this comment! I’m picking up my golf r this friday can’t believe it.
I remember, my mk6 golf broke down, temporarily got a crappy old corsa to get me by.. Finally bought a new golf 2 months later mk7 2.0 diesel.. Admiral tried charging me 120 a month, citing that stepping up from 1.0 to 2.0 is a big change.. I cancelled the insurance.. Went back onto compare the market.. Through admiral less than 700 pound a year at the time. They try to Rob you honestly.. A lot of cars made within the last few years are cheap to insure because of the safety features they have. I'm looking at a 3.0 bmw now, compare the market is only around 500 a year. Crazy.
Im 22 and have been driving for about 5 years and my insurance has gone down every year despite having someone hit into me last year. Even before the RTA was settled my insurance went down. In my experience whenever I try to renew with the same company they try to rip me off and give me outrageous quotes so I use Compare The Market or Confused.com. If im not happy I ring some companies not comparison websites like Aviva and Direct Line. E.g. I was quoted about £1.5k for a 2018 BMW 1 series from comparison webistes but Aviva qouted me just over £1k
SocksInAHat never use those comparison sites. Aviva and direct line are the best although after one year you need to switch to the other as the other usually ends up cheaper, that’s what we have to do. Ones in aviva and one direct line then each year they switch to the opposite 😂
Yes shop every year.
Jay, welcome back. How's you and the R keeping?
Good to be back thankyou mate. We are well thankyou, I’ve had so little time to drive my R this past year that I’ve pretty much missed the summer in her!! It needs a detail too as it’s covered in pollen dust 😭 I’ve still managed a few sprints though and the odd Schumacher style overtake lol. How are you??
Great thanks Jay, gone and added to my garage with a little hot car,too enjoy around my Wiltshire country roads- Up GTi such great fun. Takes me back to my late teen early twenties. Loving it.
Omg that’s a car I’m very curious to test drive when I get chance. Il pop into my local and have a play as it does look great fun! I’m glad your well mate
Im with lv on my 67plate new golf se mk7.5 at £1495 with 1 years ncb. My first car was was vauxhall astra 1.3 with admiral and it was almost 3 grand for my first car then problems occured about 10 months in. I then went with vw diesel scrapping scheme and got 5 grand of brand new gold and my insurance admiral transfer it over to the new car and it went down from me paying almost 300 a month to about 250 for 2 months and then i went for a renewal quote at which they then put at £2000!! I then went go compare and found out LV was doing everything stated for only £1495. I then called admiral to cancel so they could then do their customer loyalty tactic at which they could ownly get it to £1600 in which then claimed LV could be hiding a few things to make it cheaper and i was like nope thats with everything including courtesy car and break down even tho vw gave me 1 year aa breack down cover. He then went "well lets see what we can do to make it cheaper" in which he started to remove stuff like courtsey car, breakdown,legal cover, mileage and even the value of my car! I was pissed i have this car on finance and your telling me to drop the value of my car yet another company is offering cheaper quotes with same market value im payong for the car. I told him to jog on.
My annual car insurance went up this year (September renewal date) by 25%.... This after one of the new government's campaign promises was to lower Car insurance by 15%... I guess the insurance companies are proactively raising their rates 25% before the government mandates they lower it by 15% so they still get an average 5% increase :-(
Pisses me off, the insurance companies know that they have you by the short and curlies because the government mandates that you have car insurance. Licence for them to rape your wallet.....
I didn’t realise the government had done that. It is a joke! Some smug people in the comments think their ok as their premiums are cheap but the jokes on them as they will be next imo!
Just as with my Vodafone contract, after my 12 month commitment is over, I call to cancel the contract with them and then I say I have a similar offer from Orange for considerably less and then they offer me a 20+% discount. I do the same with the insurance.
My insurance renewal was £1500 (24 year old with 6 points) but I checked with Adrian Flux and was quoted £750. Always shop around.
thats a fucking excellent price considering you have points! My boss is nearly 60 and his insurance is same as yours with his points
As they say at least Dick Turpin wore a mask and who were you insured with,it’s very hard to get a half decent insurance company these days they all seem to be robbing Bastards. I must admit I love the R I had the VR6 4motion a good few years back and I loved it I now have a golf gtd estate auto for the fishing and I love it but nothing to beat the R for value. Stay safe bud ✊
Ive got a Golf R myself and my insurance has just went up an extra £800! Never even had a windscreen chip! Only thing that’s changed is my no claims bonus which has just went up to 4 years. So my renewal is £2500.
Jesus I’m sorry to hear that mate. It’s happening to a lot of people. They are jerking me around now with holding a years no claims and putting me through to various different departments while being on hold for ages
Don’t say you park it in the garage as it makes it go up in price, just say you park it on the drive and try using compare the market, I’ve found I’ve always got the best deals using that.
Can I just ask a question, a little of topic but relevant. How do you personally own your R? Have you bought it, or is it a PCP/PCH?
Cash bought it. I would never touch any form of finance
@@jaykay7932 do you not worry about depreciation?
Nah. Tbh buying a expensive car is a rich mans game. Like if I did the pcp deal on this car, I would’ve paid £36k plus 5.2% pa. Then at the end of the agreement vw would’ve given me 18k equity 😂😂 that’s a mugs game. It’s worth 24k now so buying cash is the way to go. Plus if I lost my job or had a cycling accident and was out of work I have no debt to worry about
I paid $110 for full coverage and 500 deductible. Sold the car because i moved but plan on getting another one.
500 deductible meaning you pay that up front if you make a claim right?
Post about your house build experience thanks
I will do. I’ve got the plans sorted now for planning lol
Superb, exciting times ahead
Maybe try adjusting your yearly mileage, I've found before if you have a annual of 3000 miles sometimes it costs more, then say 8 or 10,000 I assume it's because they think your lieing about doing such low mileage
I have an A3 (I’m 20) and my insurance is £170 a month. Now they’re telling me I need to remove my tinted windows and neon lights or it’s getting cancelled because I’m under 25
That’s ridiculous!! Was that through Adrian flux?
I had to get rid of my R back in May, multiple attempted thefts! I was 21 when I got it, my insurance was £850, 1 year later it was nearly £1000 only insuring 5k miles. I tried every insurer and broker to no avail, the rate rises are because Golf Rs are being stolen left right and centre! (3 attempted thefts at 2 different properties). I wouldn't complain too much about your renewals!
Man 21 years old and 850? That was a bargain! I’m 36 with 19 years NCB so using you as an example I should be paying less!!
It was very cheap! 2 NCB at the time with Admiral Multicar. However, on renewal they wanted £1400 and the lowest I could get anywhere was about £1000. :(
😔 that’s my worry. I bet next year it’ll go up again hen il be at two minds on what to do. I guess book a holiday and shop around! What are you driving now?? It’s bollocks and even worse if you buy a car which goes up in value like the gt4
Yeah GT4 really will be a nightmare...
As the R was only my 2nd car I'm experimenting with different cars, I've bought a 2004 MK2 MX-5 and I'll tell you what, on a dry day it's every bit as fun as the R was. front engine, RWD and convertible... been quality over the summer we've had.
It's cheap as chips to insure and I don't have to worry about it being stolen!
Yeah I know the mx5 a woman at my office owned one back in 2008. That’s the rotary engine right? I say that rwd Toyota yesterday and that’s supposed to be a fun car. Looks like a car which car thieves wouldn’t be interested in too. I think they just go mad for German whips
Insurance companies like to make loads of money. So in the event of a massive surge in claims they can easily afford without the need to sell shares and or take out equity. This said, I totally agree that the car insurance costs are totally unfair and the insurance companies are legal sharks. I too have noticed my insurance shoot up. I’ve been driving for nearly 20 years and I am still paying £900 on a focus RS. I changed from a fiesta st as some of the quotes were 10k. When confronted they will already try their best to fob you off. My advice is go to the insurance onbuds man.
The first sensible comment ive had. Once I calmed down I logged into my insurance account and saw that my NCB had lost a year during renewal. I rang them up yesterday about it. They took a look and found a error on renewal! It turned out their system thought that a claim was being made against me, that is why my premium shot up. I have now been offered a 150 refund. Why on earth did it take myself having to login and careful view and compare my renewal policy docs against the previous policy i dont know... However quite a lot of comments concerning drivers like us does show a sharp rise in premiums. I think this should be made a public issue for government intervention. Also there are FAR too amny 17 to 24 year old here driving Golf R's, Audi S3. RS3 and S5's... At their age i simply couldnt get insurance on any performance car, so i think them letting that age drive these cars is also to blaim
Jay Kay indeed that could be a factor in the insurance going up, however just reviewing the dash cam footage I have is enough to see the other cause. I’ve seen drivers going around roundabouts the wrong way and even try and enter the motorway the wrong way, also adding some drivers going at 30mph on a motor when the slip road is for acceleration. I’m pleased you got a refund. I had to change insurance companies to save £200 in a 12 month period. Also, I do agree when I was 17 I was driving a old banger with a 900cc engine, not to mention I had to do two jobs to afford it and spent most of my time driving to and from work.
same as me mate. I was driving a 1989 nissan micra during my teens and that cost 2k in the first year. I was working at mcdonalds back then. £3 an hour!! I notice nowadays too that people dont indicate on islands... thats dodgy in itself in my opinion! I cant believe you're paying £900 though that is heading back to teenage premium prices. Ridiculous!! My plan is if my premium rises next year and shopping around doesnt work then id sell my R and buy something small. I'll probably have to sell it anyway as i want to fund my house build with cash rather than mortgage
900 is nothing for a performance car lol, I paid 4X that for a 2 litre.
Jay Kay indeed you do have to prioritise things. The RS for me is a fun car that I could never have when I was younger due to the cost, however mines not standard, so I’ve had to declare some mods. This said they are only to increase bhp. The insurance companies know you need insurance so they can get away with charging high premiums, However the government will not do anything towards the insurance companies as the more money they make the more money the government makes in taxes.
I can't believe it's been a year since I watched your videos too. 😂
3:53 Get yourself dashcam Jay to capture these idiots. 😂
Yeah I know I watched the whole video what a twat. 😂
Definitely get that sorted, and one for the front too. Dashcams pay for themselves eventually, they're a must nowdays.
Is this guy talking bout month or year? I got a quote for 9k a year on my astra just passed though. Still unbelievable
9 GRAND... bro i hope you were on the phone to them when they quoted you that and i hope youj took a deep breathe and said "I'LL TAKE IT"
I’m 23, I have a mk7 golf r and it’s my 2nd car.. I passed at 21.. I got my insurance for £800 doing a multi car... there are ways to keep prices down
shifting to multi car policy is proving difficult for me as i have varied vehicles and various values... anyway turned out to be an error and ended up paying 290 in the end but long term i do want a multi car policy
My insurance is £4800 deposit was £600 for a 1.4
As a cyclist I applaude you for your patience waiting to overtake.
im a cyclist too. I am going to do a video on appropriate overtake and patience. Ive had a lot of comments telling me that i could easily squeez by! Absolutely incredible
I’m a cyclist too and I would NOT expect cars to wait & queue behind me on a road like that. The worlds gone Mad...
54Kab youre clearly lying... NO cyclist likes vehicles squeezing past. Also you clearly dont know the rules of the highway code where overtaking a cyclist is concerned
Nope. Not lying at all. Not being a troll, I stumbled on your video as I also have a Golf R since 2014, covered 70k miles. And an ‘08 GT3 for weekends) I’m also aware what the Highway Code now says. I’ve ridden bikes my whole life, including central London. On a road like the one you’re on, I really wouldn’t expect cars to stay behind me.
PS I think Golf R premiums have increased due to theft.. mines been taken twice, luckily recovered both times with no damage 👍🏼
With all due respect. The law is the law and the high way code rule explicitly states that overtaking a cyclist, horse rider or motorbike requires at least as much room as you’d give a car.
Now central London cycling is far safer than a busy country road! Yes there are a lot of cycling deaths in LDN but that is down to lack of common sense on the cyclists part. Ie undertaking lorries in their blind sides when stood at traffic lights and junctions, lorry and bus then turns left (or right) thus crushing the cyclist! You have perfect road surfaces (not a single pothole) we’ll light streets and we’ll policed.
I myself ride about 2k miles a year and hate cars overtaking me without a cars width. Most cars do overtake me correctly but it only takes one to knock you off! I average speeds of 20mph so need room as a margin of error.for example we were out the other day and one of our groups chain locked. Bike came from under him! If a car was squeezing past who knows what would’ve happened?? I’m not sure what sort of cyclist you are but a road cyclist needs a cars width!!
Getting back to cars. It’s good you got your car back. Was that down to a tracking device? Or do you live in London so benefit from the extra policing I was talking about?
By market factors, she means environmental factors. The cost of insurance is rising due to rising numbers of uninsured drivers/disqualified drivers and rising vehicle crime.
They have a stranglehold because you’re legally required to have insurance, but the root cause of your problem is people who think it’s alright to drive uninsured or when they’re not in possession of a valid license. When they have a crash, the cost comes out of your pocket (in the form of insurance premiums), not theirs.
Shop around for insurance, brand loyalty doesn’t exist anymore!
Insurance is bloody pain, I boght a toyota corolla 2002, as my first car as its relible and cheap to run also was the cheapest car for insurance so I got lowest 2200 for year so I couldn't afford it then went to pay monthly payments and I payed 800 upfront and rest 150 a month for 11 months. And I feel the pain paying 150 a month its not easy sapecilly for me as a student working part time. That's why I always tell young people don't buy cars on fianance becaue if you are going to pay £250 to £350 a month for fianance and on top paying 100 to 200 pounds unsurnce, then they struggle paying within first 3 months. Also fianance isn't the best option just buy the car at least you own it.
It’s definitely not equivalent to stealing. I don’t know the UK market, but in the US we have loads of insurers. You can pretty easily shop around and get a much cheaper rate. There are huge differences between insurers. I looked through a dozen different insurers before making my choice, and there were multi hundred dollar per month differences between them. I ended up getting an excellent deal. If they try to screw me, I’ll just go somewhere else.
At least in the US you only have to legally have liability coverage. Usually full coverage is only a requirement of the lender if you take out a car loan. In that sense, it’s a contract you’ve signed that forces you to have more expensive coverage, cause the lender doesn’t want to be out all of their money if you destroy the car.
So insurance is a legal requirement? I ask because every time I’ve rented a car in the states I’ve had choice of whether to use insurance or not and always opted out
With Rental cars, the rental company already insures the vehicle, they're the owners. You can purchase add'l insurance to protect you from civil liability, in case you are sued by someone you hit, but you don't have to buy it. At least domestically, a lot of insurance people have with their own car will also cover them in rental vehicles. But again, this extra insurance is actually primarily for protection against civil suits, not the loss of the vehicle.
For my 1.6 Golf TDI mk6 my insurance went from £840 to £1,100 for moving to a new house a mile away
Now that’s a piss take man. There’s a lot in your boat and a lot who say shopping around hasn’t worked for them. I think this needs to be made a public issue with government
I’m 20 and pay 2200 for a 1.6 Corolla. S3’s and Golf R’s are really desireable cars and are also the most stolen cars in the UK. It’s no wonder the insurance would want to try to rinse you even more.
Disagree mate. I’ve had desirable cars my whole life and insurance has always been dirt cheap. Professional car thrives have always stolen cars to order. It’s nothing new. What’s new is the police now do nothing about it. Put it down to funding cuts. Either way unless your car has a tracker you can say bye bye to it. Even if it has tracker, you might get the car back but they still never catch the thieves. The question is how far does it go before things have to change. And why are the police not stopping these people. Go to a super casino and you will see these kinds of people walking around like they own the joint dropping huge words of cash in the tables. All they are dress in is track suits
Yeah . End of the day, they are taking money from our pockets simply because they can. Like you mentioned in your vid, we must have insurance to drive on the road. I think cuts is one of the biggest issues. Police always got the middle finger from the public and now from the government too. They are now cutting costs from the education industry, I know of a hard working secondary school teacher having to work night shifts in Tesco. Cuts to police mean we have officers who just don't care and cuts from teachers means there are going to be more teachers who will be disinterested in their job. That's just great. police officers not caring and even more thieves/ criminals/ uneducated desperate individuals out there. It's a downward spiral that the government don't realise that's gonna be detrimental to everyone.
Never accept the renewal price. Always shop around. I'd recommend clearing your cookies and searching in incognito mode if you're searching frequently as prices can increase by tracking cookies.
Also note that sometimes increasing your mileage can lower the premium too.
I hate that road and the cameras everywhere in that area
ive crapped myself a few times where i thought i broke the speed limit, it can be stressful
Tbh Golf R are getting nicked more around the uk. That why i think insurance is sky high
Oh and you said your mpg shows you’re a careful driver, I was just wondering what that MPG is on a Golf R?
my long term shows 35mpg average
Thats decent, struggle to get that out of my 2017 GTI, but Ive only had it for a little over a week but already love it, fantastic car (y)
That’s cool. What’s insurance like on the gti?
Well its more expensive than £200 on your R........Best I found (Bear in mind Im 43, with 25 years experience, 15 years no claims and no points in a low risk area and Im still paying just under £400 :/
I couldn’t accept that. Next year if my premium goes up again even after a shop around il sell my R.
Mines gone down, 29 with astra vxr pay £430
renewal time again. Another video coming shortly XD
I have an 07 golf so pretty old. My insurance is 1500 for the year with one years no claims. Anyways I've had a crash recently which both of us was at fault but it's mainly me. Was just wondering if anyone knows how much my insurance will go up by? I am 28 and will obviously loose the years no claim.
Sorry to hear that. It’ll go up a lot. The reason my insurance went up 60% is because the insurance software thought a claim was being made against me so I’d lost this current years NCB. I spotted the error and got a refund but if rose 60% for me
Aww wow thanks for letting me know think I'l end up with a black box but it's insane how much insurance rises!!
It is insane and the fact the premium will rise even before fault is established is a total joke. And had I not noticed the error they’d have charged me the hike and next year my renewals would all be sky high. I can’t believe you’re 28 and paying that much!! I thought it got cheaper for older drivers even if they are new.
@@jaykay7932 when I 1st passed my test I had a bump there was a cat in the road so I swerved and made a scratch on another person's car total damage cost was 100 but the guy instited on going through insurance. My insurance when I 1st passed was 320 a month on a Micra! That was before the bump so when I got the golf I knew it would still be a little bit high just because of the bump! It's so annoying then obviously I've had this other crash now and nearly had two years ncb but that's gone now so my insurance is going to be mega high next year I'm just hoping it's not over 300 p/m. How many years no claims have you got? If it's over three I know you can protect them so hopefully you haven't lost them all x
Awww bless you you’ve just had bad luck. And he was a dick was insisting you deal through insurance rather than cash! He’s have lost out too through going via insurance!! I’ve got 17 years now. I’m an old man 😂 but experienced 😜😂 I’ve got them protected too x
I'm 24 and my 7r insurance came to £1500 this year.... Adrian Flux are the best.
I use them for my type r’s laid up policy
No they're not. I was paying £500 on my R32 with sky insurance. I can tell you they're not the best
Where are you? need some updates with ur cars..
Hi mate, ive been caught out with covid so havent been home. As soon as im back il do a video ASAP.
@@jaykay7932 all right .. good luck and see u soon then
My Golf R in the USA is actually cheaper than my MK6 GTI was to insure 😁
I drive a 1.0l fiesta. My first year was £2500...had a small accident.. My renewal came up at £3800
For 1.0l Fiesta.
Im 21
Shopped around after. Found the same shit for £1,800 of another company
unlucky dude. ive never had an accident. In this case the reason my premium shot up was because somebody made a false claim against me. Once it was settled the premium went down again and i got a refund
What do you do for a living dude if you don’t mind me asking?
At the moment I’m a
Software developer mate.
22 and get quoted 4K for a A3 1.4 turbo loool, it would be nice to see insurance companies get clamped down, legal theft is all it is
TRL Alonso a week after I passed I could get insured for a year in a brand new golf GT for £1500 fully comp and amazing driver haha
yh insurance taking the piss big time, lucky youre not 23, paying 1.5k on a mk7 gtd
Blimey. And your NCB has increased too! You know what, I used to live in Florida and The age of driving there is 16. My sister was insured on my dad’s truck for a couple hundred bucks when she was 16 and it stayed like that until she had a small accident (she was 18). It then went up to 5k. I wonder if that would be a fairer system than the bollocks we have here in England as NCB seems to be pointless IMO. They’re taking us for mugs
been driving since 17 passed straight away lol these fuckers just put it up and up, NCB just a number these days
You’re right mate and I said to her on the phone what the fuck is the point in NCB!! I said to her you push us too far and you’ll pay 😂😂 I wish we could do something about it but fucking law makes us pretty powerless
In the states insuring the R was CHEAPER than my GTI. This is because U.S. insurers have a separate category for GTI but not for the R. The R is simply listed as a "Golf"
1.5k?😂 I was paying 3k at age of 19 for a golf 1.9 tdi lmao, 270 a month, sold the car got a shit fiesta now, wish mine was 1.5k haha
If it makes you feel better, we have the same BS going on in the U.S. Of course there are many companies competing with each other making it possible to keep insurance costs reasonable, but you have to constantly shop around on a yearly basis. For whatever reason, insurance companies (particularly car insurance) don't give a crap about brand loyalty it seems..the longer you stay with a company the more they bend you over. It's as if they all want a constant stream of new customers and don't give a damn if you stay with them for years and years...even if you have a long record of no violations or claims. It's absolute insanity..
The moral of the story is to shop around, I never stay with the same Ins Co. for 2 - 3 years especially if they start putting premiums up on the 2nd year with them, the excuse about IP tax is the one I use to get told from the insurance business I never bought, you get nothing for loyalty in this life I have learnt.
yeah i will do next yfear mate. My fear is that shopping around will be just the same as it is with energy providers. Once one increases prices they all do. Now my fear felt realised this year as i did 3 quick shop arounds using 3 different comparison sites (arent they supposed to be really good??) and all premium prices i got CHEAPEST were exactly the same as my renewal quote - 550... this is making me think they are doing what energy providers are doing
Great to have you back mate 👍 honestly change your insurance company every year u will save a fortune ypu have no loyalty to any company fuck that mate
Good to be back mate thankyou 😊 i tried shopping around but only managed to use confused.com and gocompare and both came back over £500. You are right though, getting on the blower and ringing around is the best way to go but my hands are tied at the minute with being busy 😡
19 Year old No no claims. Car is insurance group 12E 660 for year with 8000 miles.
Subscribed
2015 7R, 21 years old, 750 a year 🔥
Okay I'm 30, 8years no claims £850 for my 16plate R. : /
Insurance at the moment are taking the fucking piss and what’s worse is we all just end up paying it without kicking up murder. I drive a mk7 golf gtd worth 30k. I was involved in a hit and run about two months ago it was really bad car wrote off and now have severe back problems. I was hit by a drunk driver he was cought and admitted everything but even still my insurance went up due to the claim even doe I was not at fault. They fuck you everywhere no matter fucking what it’s a joke. Should be regulated so they can not rip people off should be caps on vehicles simple as.
Really sorry to hear that man. Exactly what I think though it needs regulating and caps need to be placed. Your insurance has gone up regardless of fault that’s where it’s pissing me off too
Jay Kay driving 7 years never had as much as a speeding ticket I would be called the “perfect” costumer to an insurer and still get fucked I’m Irish and it’s worse here man when I heard u pay 500 quid on a golf r that’s nothing compared to what we have to pay out !
Cool video man keep it up 👌
Golf insurance are notoriously expensive. Because teenagers crash these cars all the time. Same with bmw 3 series. If you find a slightly uncommon car you'll save a lot on insurance. Gti and sti, or turbo badges are warning sign for insurance companies. Always expensive to insure. Insurance on a levorg in Scandinavia is probably half of what you pay on a golf gti in Scandinavia.
My insurance company didn't pay out when my motorbike got stolen. I don't ride bikes anymore :-(
Omg why didn’t they pay out?! I had similar with jewellery stolen but had a recording where they said they’d honour the payout in a phone call so they paid up in the end. They are such bastards!!
@@jaykay7932 they said my bike was not secure. They want me to ride around with a motorbike chain and secure it everywhere. These damn chains are heavy!!!!
Fucking love the way u swear 😂😂😂😂 insurance is a load of bull shite especially for new male drivers
Are you from Essex??
Nottingham originally but lived all over including America lol
9 years maximimum no claims I think 🤓
I have changed car insurance company every single year never stick with the same one!
If you read a lot of the comments. Quite a few people shop around and do no good. I used to shop around during my youth. Worked a treat. Past 13 years my current insurer has not only been cheapest but slashed the price year on year without fail. It’s this past 3 renewals it’s gone up and I think it’s a case the industry is changing. Next year il do the shop around thing and if I don’t get a lower price then il sell my r as I don’t need a golf r that much lol
Jay Kay ye mate its worth the time spent shopping around if you can get it cheeper and I know I have a Fiesta ST and my dad has an Audi S3 and not last year but the year before both ours went up ridiculously and we was told it was due to more claims and uninsured drivers been involved in accidents its a shame cause us that drive well/ careful take the stint of it!
I know mate and my worry is how far will they let prices rise before anything is done to cure the problem of gang related car crime. Its getting worse too, where the crimes used to take place at night they now take place in broad daylight in front of dozens of witnesses. In America you solve the problem by having a fire arm in your glove box lol
He he - My fully comp Golf R insurance is less than £200 !! No more than my previous EP3 CTR...
Hehe indeed. Exactly my thought when mine was that price two years ago. In fact swapping from type r to golf was was nothing. But on the first renewal it was £53 more. Quids in. It’ll go up for you my friend just like everyone else I’ve spoken to
Magic postcode...
You wish mate. I live in a gated community where the average house price is north of £2m. There have been zero thefts here. You’ll find it’s down to ‘market factors’
You don't get wind/road noise like that in a Lexus.
Considering I wasn’t going over 30mph that is wind/road noise mate. It’ll be my camera and it’s fitting
*isnt wind/road noise
Who is your insurer?
I’m with esure
@@jaykay7932 I've found Hastings direct to be fair considering i have a New driver on my policy as well
I’ve give them a call when renewal is due. I’ve heard multi car policies are supposed to be good value for money as well
@@jaykay7932 I'm with Aviva, multi car policy, it's really really good, worth going online on Aviva's website, won't take 5mins. They should be competitively priced
That’s cool do you know if there is a limit to the number of cars?
Just shop around. It will take less than your phone call to the insurance company.
It does not pay to be loyal!
If you blindly renew with the insurance company each year they will just put the price up. They are in the business of making money.
There is nothing you can do about it. If your favourite restaurant doubled its prices, you would find a new restaurant. Its the same with insurance...
Very true. At the moment they got me due to all the overtime i do then im busy with other things during free time. Next year im booking a week off just to shop around with insurance as back in the day i used to spend hours ringing around. Ive been lucky for the last 11 years where my current provider has constantly not only provided the best price but provided the best price by a country mile! This year from the very quick comparisons i did get it was still the best price by £100 so that led to this rant video. Im not the only one though ive spoken to a few people on here where they too have had their premiums forced up even with shopping around. Its like energy prices; keep rising so the government tells us to shop around only that turns out to be bollocks as they all rise the prices together at the same time anyway. So my fear is how long will "shopping" around work before insurance companies do the same thing
£200 for a golf R? how old are you? Am 39 and paying £428 for a 17 plate golf GTi ....never had any points etc!!!
They don't know the answer, they're just answering a phone call unfortunately. I feel sorry for the woman on the end of the call. Sounds like that company need better training to prepare themselves for questions like that.
They dont know the answer to many important questions. Such as; if im driving a friends SUV under the third party cover offered by my policy, can i legally tow a trailer? SAme goes for holiday insurance; you would be incredibly surprised how much these people dont now. Bare in mind they are sales people trying to sell us a policy which has incredible legal implications... So i dont accept that as an excuse. Notwithstanding; the first phone call where i was angry i did apologise at the end of the call. But it doesnt matter, they simply switch off the head piece with customers that rant anyway. A friend of mine at HSBC told me that just now
Golf R is one of the popular stolen cars that’s why simple
nope it was an insurance premium error. Got a refund :D
Your car is a high risk and getting higher mainly due to a high amount stolen resulting in a higher risk against that car. Just like when escort cossie premiums went crazy back in the day. Your mileage, your record means nowt if the problem is they are getting knicked. The high increasing premium is a result of the car not you
right but i live in Jersey... Why should the mainland uk bother me and my premium?
@@jaykay7932 not sure but if they are uk insurers they will use the same database as a whole and that car will be classed as high risk. If they are stolen frequently in england im sure it will be common in any country. Easy way to check if it's been effected by this is to see if its cheaper to insure left kept on the road not drive, not outside your house and in the street. Most cars are stolen from house break ins to get the keys first. If parked in the street its harder to no which house the keys are in thus been less risk.
Another example is its often more expensive to insure a car parked in a garage overnight, due to more claims be made due to damage caused to doors or driving into your garage lol
mines insured in a garage. I'll have to ask them about that when i renew. I live in a gated community and our property is again gated with two german shepard gaurd dogs. Put simply no one could steal from us even f they tried, and if they tried they certainly would get away in time lol. Anyway it turned out there was an error on their system concerning my NCB. Its been sorted now and im getting a refund of £150
Always have to laugh hearing pretty much anyone from any place in the world that’s not Vancouver, Canada talking about insurance, lol.
33 years old, no claims, a 35% discount for a clean record.
Cost to insure a 2017 Golf R: $323
PER MONTH
Now thats just absurd. Are you telling my you pay 4k per year for insurance ? So 10% of the car or even 15%?
Wasting your time Jay Kay challenging a call centre agent on your car insurance. same if you did get to speak to the Supervisor / Manager, been there before.
Loyalty means jack shit to big companies, insurance is no difference.
Not unusual for insurance companies to offer you 1-2 years of competitive insurance and then they cost you out as their auto risk assessment (via their insurance actuary) shows you might make a claim yr 3++. So all you can do is shop around, fact of life if you want the best deal.
I was considering buying a Golf R as well... think I’ll pass if that’s what the insurance is going to be like! 😂😂 just stick with the company car
ive spoke to a few people who managed to convince the company to provide a golf r company car. Not sure how talented you are at your place but its worth asking the question!
Jay Kay I’m a car sales man for Renault, I’ve got the Megane so there’s no chance of that haha! Trying to get he RS will see what happens next.
Handy! Could you sort me a test drive out in that mid engine alpine??
Jay Kay I’m in Scotland, the only place near me that has that is Arnold Clark Renault, in Hillington. I can’t even get my self a shot sadly. 😩
Lowdham?
Actually im not sure i just drove through. Its on the way to Grantham if i think correctly
Yeah, past Lowdham, Gunthorpe and East Bridgford
I agree they are thieves.
I have a Range Rover which went from £500 to £900 without any circumstances changing. I was also driving a BMW M4 which was costing £1200 per year. Since I sold the M4 and bought a McLaren, I got the Range Rover for £600 and the McLaren for £900!!!
Just doesn’t make sense!! I actually think they make this bollocks up!!
You raise a bloody good point, I got quoted £600 for a 360 Modena worth 80k...
Jay Kay it’s crazy isn’t it.. is like they want us to drive these fast cars 😂😂
Mr Chiltern If you're able to afford them cars why complain?
The reason your insurance keeps going up because golf r/ audi s3/ audi rs3 are very commonly stolen. They get stolen all the time. Im 21 with an 17plate audi s5. And it cost me £1300. The insurance on a mk7 golf r is 2900. Lool its not your insurance company mate, its the type of car u got.
Got a rebate mate. It was an error involving my NCB
18 reg S4 was £1700 Golf R was £1400 and the S3 £3500 and I’m 20 years old. Bought the S4 in the end well leased ;)
Its so stupid staying with the same insurance company. If you dont argue it they will shit all over you.
Spend 20 minutes and get a cheaper better quote. Never stay with the same insurer! It’s madness...
Everyone hates insurance 🙄