Why is a 1600cc engine Less expensive in insurance than a 1300cc or 1500cc?

Question

Why is a 1600cc engine Less expensive in insurance than a 1300cc or 1500cc?
As my beetle was quoted £1100 insurance for 17 year old driver as first car, but when i asked for a quote for a smaller engine it said, £1700 for a 1300cc engine!?
Thanks

Answer 1

As has been said, the engine has little to with it.

If you have a basic model 1600, it will cost less than a limited edition 1300 with spoiler and alloys and tinted windows.

It's like for like.

A basic 1300 model will cost less to insure than a basic 1600 model.

But don;t make the mistake of others by telling them it's a less fancy beetle so the insurance goes down. If there's an accident, they'll find out and the insurance is voided. A driver who has knowingly given false information can be prosecuted by the police for driving without insurance.

Answer 2

If I remember, both the bore and stroke are different between the 1300 motors and the larger ones. I don't remember what the difference is between the 1500 and 1600 motors for certain, but I believe it was either bore or stroke, not both. Also, the carbs were different because the larger motors required more intake flow than the smaller ones. It doesn't matter too much, however, because any of them can be built up with aftermarket parts if the engine blocks are properly machined. Dual port heads were available on both the 1300 and 1600 engines, but I don't think they were ever on the 1500 from the factory (although I have heard that the 1300 dual port heads would fit the 1500 engine, but may require machining. If you are building a high-performance motor for an air-cooled VW, I would recommend the later 1600 motors because the oil system was improved several times before they stopped making the air-cooled engines. Unfortunately it has been several years since I have owned an air-cooled VW (I had a '61 Karmann Ghia), and I don't remember the engine casting numbers to look for. The last bits of info I have for you are that a 1600 motor will bolt into any air-cooled VW from '61 on (even if you build it to over 2 liters), and that the '61 and newer 1200 engines are the same basic design (split-case) as the larger engines, but for reasons I don't remember they are not good to start from when building a hot motor. I hope this helps.

Answer 3

I would recommend that you try this internet site where onel can get quotes from the best companies: http://COVERAGEFINDER.NET/index.html?src=2YAapk2ig3uU

RE :Why is a 1600cc engine Less expensive in insurance than a 1300cc or 1500cc?
Why is a 1600cc engine Less expensive in insurance than a 1300cc or 1500cc?
As my beetle was quoted £1100 insurance for 17 year old driver as first car, but when i asked for a quote for a smaller engine it said, £1700 for a 1300cc engine!?
Thanks
Follow 7 answers

Answer 4

Its not about the engine. When insurers work out the cost for the car they work it out on - the car make, the model, the engine size, the no of doors, the insurance grouping. They may also use their own rating which would include if they have seen more accidents/thefts in that car over the last 12 months.

Answer 5

Like the lady said.. its not the engine...its the car that it comes in.

The 1300 engine came in the 66 vw. Which is rarer and worth more than the 1600 engine container (pretty much every vw in the '70s).

So, the quote factors in the projected costs for the repair and durability of the earlier car against the later one.

Tell her you have a 1300 engine in your 70 vw and it prob,. wont make a difference at all.

.

Answer 6

From what the others have said, I would get the earlier 66 1300 model and put a 1600cc engine in it! Problem solved! Good luck!!!

Answer 7

For free insurance quotes

Answer 8

good one don't know the answer