Insurance for Scirocco

[jamesatfish]

I remember having similar issues with insurance in my late teens / early 20s - no problems getting someone to insure the car but the premiums were pretty expensive.

There were a few things that helped reduce premiums:

1. Insure the car in the name of an older driver and have yourself listed as a regular driver on the policy - much easier when I was still living with my parents during my first years of uni.

2. If you've been insured on someone else's policy previously (again in my case on my parent's policies) NRMA was willing to transfer some of their no-claim bonus when I insured cars under my own name.

3. Putting my girlfriend on the policy reduced the premiums as they decided a female driver was a lower risk, and thus the average risk on the policy was reduced. Sounded stupid (she was 2 years younger than me and thus a less experienced driver) but that's how it worked.

Congrats on being able to buy the Scirocco at such a young age, and don't stress the insurance costs - just enjoy the car.

[greg32]

RE: New Scirocco Insurance

If you insure a car in someone else name,it needs to be rego'ed in their name or the insurance can be invalidated if an accident occurs. This happened to someone I knew when their car was written off.

[jamesatfish]

If you insure a car in someone else name,it needs to be rego'ed in their name or the insurance can be invalidated if an accident occurs. This happened to someone I knew when their car was written off.

Good point - I should have said "register and insure" not just "insure".

[Guest001]

Would be much simpler to do it the legal way as regardless of how he tries to beat the rules

"He isnt allowed to drive it regardless of who owns it".

If its on the banned list thats it.

[ryanaugustino]

I remember having similar issues with insurance in my late teens / early 20s - no problems getting someone to insure the car but the premiums were pretty expensive.

There were a few things that helped reduce premiums:

1. Insure the car in the name of an older driver and have yourself listed as a regular driver on the policy - much easier when I was still living with my parents during my first years of uni.

2. If you've been insured on someone else's policy previously (again in my case on my parent's policies) NRMA was willing to transfer some of their no-claim bonus when I insured cars under my own name.

3. Putting my girlfriend on the policy reduced the premiums as they decided a female driver was a lower risk, and thus the average risk on the policy was reduced. Sounded stupid (she was 2 years younger than me and thus a less experienced driver) but that's how it worked.

Congrats on being able to buy the Scirocco at such a young age, and don't stress the insurance costs - just enjoy the car.

Thanks! I've always wanted a Scirocco since I drove a GTI last year, totally fell in love with it, Audi doesn't even come close. Is it possible to insure the car in the name of an older driver if the older driver is living in another country?

[jamesatfish]

Thanks! I've always wanted a Scirocco since I drove a GTI last year, totally fell in love with it, Audi doesn't even come close. Is it possible to insure the car in the name of an older driver if the older driver is living in another country?

I think the posts above answer that - the insurance and rego need to be in the same name. As you have to be an Australian resident (or entity) to register a car in Australia, the older person would have to be living in the same state and able to attend the motor registry to perform the registration.

Like I said earlier - just consider the insurance as a cost of buying the car, put it in your own name and drive safely. Your insurance history will get better if you don't make any claims and you'll probably find your next year's renewal will be significantly lower.

I think others have raised a bigger concern about whether you're able to legally drive the car as an 18yr old driver in Victoria, but I'm too old and in a different state so have no idea what the story is there.

[Guest001]

Did you not read reply 13 as thats the position, but for you I will repeat

The car is on the banned list for P drivers so no matter who owns it, be it in Victoria Australia or Victoria Canada.

YOU CANT LEGALLY DRIVE IT in Victoria Australia No matter how you try to get around it.

[Guest001]

Good point - I should have said "register and insure" not just "insure".

Perhaps you could edit the post as the OP didnt read the correction, or probably didnt want to.

[Guest001]

Thanks! I've always wanted a Scirocco since I drove a GTI last year, totally fell in love with it, Audi doesn't even come close. Is it possible to insure the car in the name of an older driver if the older driver is living in another country?

The post you were replying to was incorrect as the poster has corrected himself and NO YOU CANT. Read the thread carefully.

There is very little chance of you being able to legally drive it in Victoria

If you do and things go wrong, in all your above scenarios you have an almost certain chance that the insurance claim would be denied due to the car not being allowed to be driven by an 18yr old.

[ryanaugustino]

The car is on the banned list for P drivers.

Sorry, didn't see the page 2 on this thread, still a newbie here.
This doesn't apply to international drivers right?

[Guest001]

This doesn't apply to international drivers right?
Is the Golf R also on the banned list?

You can spend all day on here debating what you can and cant do so on Monday take yourself into a VICROADS office and ask them.

They make the rules they have the answers. We can only Google the same as you can and pass on what we find.

For legalities you should always ask the relevant authorities, not come on Forums for opinions some of which ( mine included ) could be wrong.
Read what it says in the Vicroads link I provided and if you dont understand that you have to have a Victorian address to register and insure a car GO IN AND ASK.

[ryanaugustino]

Alright, thanks, I'll ring them up on monday and check with them. Thanks for the help guys much appreciated.

[Guest001]

Alright, thanks, I'll ring them up on monday and check with them. Thanks for the help guys much appreciated.

Make sure you tell them full information

Your age

Your residency status

Which licence you actually have and where from.

The make and model of car you want to buy.

Ask the proper questions and you will get the right answers.


LOOK HERE FOR BANNED VW http://www.vicroads.vic.gov.au/Home/...leDatabase.htm


All Polo GTI All GOLF GTI AND R and Sirroco R are on it Even a Polo 77Tsi needs approval

[ryanaugustino]

I rang them up today, the ban doesn't apply to international driving license. So im going to be one of the youngest Rocco owners at the end of the month! can't wait!

[team_v]

I rang them up today, the ban doesn't apply to international driving license. So im going to be one of the youngest Rocco owners at the end of the month! can't wait!

Interesting to know it doesn't apply to international, what happens when you transition to a state based licence as you are required to after a certain time period?

I thought insurance was the issue at $4,500 per year??