17 year old insurance

Hi there everyone, I'm 17 just passed my test about a month ago, done the PassPlus course as well. Looking to get a Land Rover in the defender style so either a 90 or more recent defender, my budgets about £5-6 grand, only thing I'm slightly concerned about is insurance. Can anyone answer these questions? Does it make any difference to insurance costs having windows in the back? Will an older 90 (1987-1990) or newer (1991-1998) differ in insurance cost? Will having bench seats in the back make any difference? Will the size engine make any difference? Thanks, Tom

Have you tried using the search function or your common sense for that last part ?

Of course a 4.0L V8 will be cheaper to insure than a 2.5 N/A diesel :doh:

I know that but I thought whether it would increase much from the 2.5 to the 200/300 tdi's because I had heard it didn't increase much

Searching won't help that much for him as insurance is changing so much. So previous threads will now be out of date. Cheers

tombabs said:

I know that but I thought whether it would increase much from the 2.5 to the 200/300 tdi's because I had heard it didn't increase much

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I think you will probably need to budget for anything between £800 to £1500 for your insurance. A tdi engine, either 200 or 300 will cost more to insure than a 12J or a 19J. They're all 2.5 litre diesel engines, three of them with turbos, but the tdi engines are much more powerful and the insurance companies are well aware of this. It will pay you to buy an older Land Rover, perhaps 1985-1988 (with a non turbo 2.5 aka the 12J) and then fit a tdi in its place. Technically speaking it is still a 2.5 litre diesel engine. You would however need to ensure that the engine number is adjusted on your log book. That's what I did anyway.

-Tom

Thanks Tom, yeah that is what I'm budgeting, I would rather not get too involved in putting new engines in older versions as I will only have it for a year before I go to uni, do you think tdi's would cost more than the 2.5 turbo then? And would that still mean less insurance for an older version someone else had put a tdi into?

na is probably cheapest.. will be dear what ever car you have so you may aswel get one you will enjoy!

thats how i looked at it and i have enjoyed every moment of owning all my cars and im 21..

123-eddy09 said:

Searching won't help that much for him as insurance is changing so much. So previous threads will now be out of date. Cheers

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Last weeks threads are up to date though

Also get a 300tdi in a defender, much more refined than a 200tdi

Plus once tweaked a little they fly compared to the 200

tombabs said:

Thanks Tom, yeah that is what I'm budgeting, I would rather not get too involved in putting new engines in older versions as I will only have it for a year before I go to uni, do you think tdi's would cost more than the 2.5 turbo then? And would that still mean less insurance for an older version someone else had put a tdi into?

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Don't bother with university. I've just graduated after three years on a design degree course and it has got me absolutely nowhere, no job, no money and no responses from potential employers. An apprenticeship would be a good idea As for your question, yes any Land Rover with a tdi engine will cost more to insure whether its been retro-fitted or not. If the previous owner has had it insured as a tdi, it'll be on file and those three letters will bring the premium right up. What I was suggesting is that if you buy a non-modified vehcile and then swap the engine, you dont necessarily have to tell the insurers that your have changed the engine if you catch my drift. It would afterall, still be a 2.5 litre diesel engine. Some will shun me for suggesting this, but why should all young drivers have to absorb the costs for chavvy boy racers and whiplash scammers in Bradistan? If you are only planning on having it for a year, a 19J (2.5 Turbo Diesel) would be alright. It'll probably be just about ready to blow up by the time you get rid of it, but you could have a little bit of fun with it. Don't go expecting it to pull up hills very well though.

-Tom

Dr_evil said:

Also get a 300tdi in a defender, much more refined than a 200tdi

Plus once tweaked a little they fly compared to the 200

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LIAR!!! Everyone regards the 200tdi to be a better engine than the 300 but both have pros and cons. They both produce the same power and both can be tweaked to the same extent.

-Tom

pos said:

LIAR!!! Everyone regards the 200tdi to be a better engine than the 300 but both have pros and cons. They both produce the same power and both can be tweaked to the same extent.

-Tom

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I've driven a tweaked 300tdi 90 and it was rapid

200's just more economic and simpler …… kinda now watch me get shot for dissing the old war horse

Ok thanks, basically what my biggest question is, will it be cheaper to insure an older landy or a newer one?

Older, within reason


Something old thats had a new engine put in it will cost more that something 10 years younger with the original engine


Get a series if you want cheap

Dr_evil said:

I've driven a tweaked 300tdi 90 and it was rapid

200's just more economic and simpler …… kinda now watch me get shot for dissing the old war horse

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They are absolute monsters of machines when they are setup right. My 200tdi will shift like **** off a stick and that's with a standard sized intercooler running at factory boost. I have rotated the fuel pin / diaphragm a little but there is still plenty of scope yet

whats your budget!?

my budget ranges from anything up to at a push £2500

*for insurance

pos said:

They are absolute monsters of machines when they are setup right. My 200tdi will shift like **** off a stick and that's with a standard sized intercooler running at factory boost. I have rotated the fuel pin / diaphragm a little but there is still plenty of scope yet

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I'd be tweaking my 300 in me disco but its got a feckin electrotrickerized ECU :Cry:

i can virtually guarantee you wont be able to ensure a retro fitted one.

once it is modified you can delete about 88% of insurers at your age. im 21 and i struggled to get it 'cheap' with my retrofitted engine.

normaly only specialist insurers will take mods and they wont look at anyone under 25/21 if luckly.