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What is the cheapest Classic Car Insurance for a Mk1 Volkswagen Golf GTI

The Giugiaro-designed Golf was exactly the right car at the right time, but it was in GTI form, from 1976, that it was most impressive. It was created by combining the Audi 80 GTE's engine with the lightweight three-door Golf bodyshell - and originally conceived as a low volume limited edition. The car that first earned the term ‘hot hatch’ used a Bosch fuel injection 1588cc engine to pump 110bhp through its front wheels and the tight and nimble handling meant all this could be used to the max.

Can I get it on a classic policy?

Mk1 (and Mk2) Golf GTIs are considered a classic by most insurers.

What are the benefits?

As well as being with a specialist insurer, a classic policy will often offer benefits such as limited mileage discounts, free European cover, agreed valuation and club member discounts

How much are they worth?

When it comes to Mk1 Golfs, the late-model 1.8-litre Campaign is the most desirable. Expect to pay upwards of £16,500 for one on a dealers’ forecourt – while top quality Mk1 Golf GTIs are about £10k in the classifieds. A runner that needs a bit of TLC should be about £5500. A project? Tricky – you probably won’t get much change from £2500 such is the desirability of this classic.

What to look for when buying one?

The main enemy of Mk 1 Golfs GTIs is rust. And although rustproofing was improved by the time official imports of RHD GTIs started, they can still be bad. Also check for accident damage and the general quality of the inevitable modifications.

How can I lower the cost of my insurance?

Insurers often offer discounts if you’re a member of a classic car club. When it comes to the Golf GTI, the Mk1 Golf Owners’ Club (www.vwgolfmk1.org.uk) is widely recognised by most insurers. You could also get yourself a discount by keeping the miles down. If you've recently passed your test, consider taking a PassPlus, IAM or other driver qualification - some insurers will chip a bit off your premium if you do. Keeping your car garaged is also another good idea.

What about modifications?

Always tell your insurer about any modifications to the vehicle - some modifcations such as security systems or tracking devices can reduce your premium. But if your insurer knows your car is modified, you'll most likely get like-for-like cover so you won't be out of pocked if you need to make a claim.

Insurance quotes

The following fully comprehensive insurance quotes are based on a £5500 Mk1 Volkswagen Golf GTi, owned by a 40-year-old Cambridgeshire-based man in full time employment. He is named driver on another car and has clean UK licence. Mileage is limited to 3000 a year and the car is kept garaged overnight.

Insurer Annual Premium
Flux Direct* £76*
Performance Direct* £77.62*
Lancaster* £88.24*
Grove & Dean* £107.64*
Entire £259.49
Heritage £265.59

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