UNEXPECTED HIGH COSTS! Breakdown of Owning My Lamborghini Huracan STO

[@Shmee150]

Win your dream car with BOTB! Tickets start at just 60p and there are two winners every week. Enter today! 👉 bit.ly/WIN-BOTB-Dream-Car-Comp

[@Troonielicious]

Sell me your Sena

[@benlecluyse]

Whoa that's cool !

[@simonbrandon4196]

No thanks I dont like wasting money

[@benlecluyse]

@@Troonielicious 🤣🤣🤣 It's Senna btw 😉

[@benlecluyse]

@@simonbrandon4196 🤣

[@FIREBLADEONE]

Really appreciate the straight talking on the subject of insurance figures, this is interesting and valuable information for your viewers.

[@dampsquib3064]

Be interested to hear how the STO compares with the Zenvo for insurance when you have it

[@Shmee150]

The Zenvo insurance premium is BIG, VERY BIG. I am not sure if I have the stomach to share that one, it's terrifying me.

[@Taylor40667]

@@Shmee150 is that because of the previous risk of fires over the years? The infamous top Gear episode Because you have the senna which is over a million, so interesting HOW much more it is it must be more of a risk for them not just in terms of value

[@iggswanna1248]

@@Shmee150 holy molly.. i can only imagine lol

[@720sobsessed6]

@@Taylor40667 it's a price thing our 720 is 2k per year while our elva is 6k per year

[@captain_context9991]

Insurance for expensive cars can be a bit up and down because repairs are expensive if they get damaged. But on the upside, a Lambo almost never gets stolen. A random person wouldnt even know how to start one even if given the key.

[@MarcinZaleski21]

It is interesting how a colour scheme of a car can influence how we percive its shape. When I saw STG video with grey STO I was surprised how headlights look. They had almost different shape than on Tims STO. Regarding pillow that saves everybody back, maybe it would be a good idea to have some custome foam inserts made that will attach to seats?

[@callumharvey9680]

Love your content, you've come so far, congratulations on everything you've achieved you deserve it 10 fold!

[@jakubbanaszkiewicz3656]

It really shows how buying a car and actually maintaining it are 2 different things. My tiny 77HP Grande Punto costs me a nice holiday trip a year to maintain.

[@hakonvilvang]

I have a 07’ Toyota Yaris with only 70k km on the clock, its really cheap to own, prob the best car i’ve bought😂

[@KarmaStoriesPodcast]

Literally just came here from Stradman's video haha, so seeing you do something inspired by him is awesome :)

[@Shmee150]

That's cool!

[@akilajayasooriya2305]

Same😅😅

[@jonv92]

Same lol

[@bwatts27]

Same! Lol

[@RDG_0001]

Same

[@MegaRetr]

Really appreciate the straight talking on the subject of insurance figures

[@emmy4949]

I like how u change the color of your, sound intro to match with the car your doing video about. Cool video as always.

[@mikekargar239]

Tim, I really enjoy your videos. No one works harder than you in this business. Your honest perspective provides great information. I am not in car business other than I love cars. My favorite car is Lamborghini. I also love the Lamborghini management. They care about their customers and you do not have to buy an old Lambo to qualify for a new one. They treat everyone the same. Again, thank you for the all information you bring to all of us viewers. Please try to do an extended video on the new Tecnica by driving both STO and Tecnica to give us your honest opinion. Thank you

[@hakonvilvang]

This is the reason why i drive a 07’ Toyota Yaris. It cost me around 30gbp per month, and im growing my bonus at the insurance company, before buying something more expensive🙌🏼

[@49tkscott]

The biggest factor I've found in my driving history has been related to the vehicle crime statistics in your postcode. I'm 2 years younger than my older brother, we were both regularly quoted around a 40% difference in premiums because of that single factor. Any chance you could have a blog on driving in Europe? Your experience and insight would make for a very interesting blog👍

[@TheKerr1983]

Would love to see a more indepth video on strategies on financing, deposits and using other cars to up value to buy more cars. Looking to get my first high performance car soon and would love your insight in the way of s video

[@kevletmein]

This would be a good video

[@Kronos0999]

Sometimes it's odd to thing you just started with a Clio. Now your collection has truly become a *collection* with so many cars, most of which are rare or exotic

[@williamharris2855]

Shmee, You are a legend Man, I hope you’re having a great day

[@Shmee150]

Thank you, hope you are too

[@GrumpySalmon]

Love is in the air 💕

[@Birdiebusinessgolf]

As an insurance agent here in the US our rates depend heavily on the ability to replace parts which you can not on the sto sadly.

[@terryosborne272]

That is not how it always works here in the UK. Quit often it is more about the area you live in and how much that car is crashed by Boy racers and stuff like that.

[@1BADECLIPSE]

STO Is still among my favorite Lamborghinis!!! Thanks for video tim!!

[@Shmee150]

Thanks for watching

[@DanCollinsPhotography]

Tim, if I ever see one of your cars out and about, I’ll give a thumbs up to whoever is driving it, whether it’s you, Tom or someone else you’ve got to drive it. A Lamborghini isn’t my cup of tea, but it’ll be cool to see it in person

[@richtaylor2129]

The STO looks awesome! There is one near me. The owner of it owns a rental car company I think. Also see a Ferrari 458, Pista there too

[@simondarrie666]

Am so glad someone spoke about this, his bloody 6x6 is cheaper than my audi s3 , with 15 years n/c and a clean licence for 10 years

[@TravisHargiss]

It’s so fascinating learning the difference between United States vs. Europe or that region across the pond.

[@timwilson1339]

I'm curious to know how much it costs when you apply the brakes hard on a car like this. My guess would be $3-$5.

[@Shmee150]

Oh goodness that's a funny way to look at it. Knowing a set of ceramics is likely £15k or similar, it would actually be some kind of number that's relevant

[@kreiseltower]

@@Shmee150 I think I've heard, that the ceramic brake disc barely need replacement, that they are like.. life-time durable and you just change the pads? I find that strange, but read it on several occasions. Although that was in regard to cars used on the road, no hard beating on race track.

[@xpengfangirl7942]

spyrospanopoulos apparently has the brakes

[@cvwright]

@@kreiseltower True. You’re very unlikely to ‘wear them out’ but they do become weaker after bad heat cycles. That’s why they mainly crack on road cars.

[@engineero67]

As a Brit now living in the USA, I can attest to the fact that UK insurance is just insane! In the US you can also group the insurance, so your kids cars are covered by your policy and get the benefits of your overall insurance - and they just pay me back. Finally, it means all family members are insured for all cars. So, my 18 year-old daughter (who passed her test 4 weeks ago) is insured to drive my Aston Martin Vantage, My wife’s Mercedes GLC-43 AMG, my sons WRX, Golf-GTI. And that was an extra $300.96! Can you imagine in the UK! ZERO change she would be able to get insured for any of those cars having just passed her test…

[@hanshonstatzky961]

Thanks for the opening up regarding the cost of the cars. Very interested for people that don’t have the ability to own one Cheers

[@kevletmein]

Why can’t we have a policy where you only pay a premium for the most expensive car in your fleet? If the policy only covers one person to drive, that one person can only drive one car at a time. Why should we then have a policy for each individual car? Maybe for damage or fire. Makes more sense in my mind but maybe I’m missing something.

[@kiansmith1288]

Currently wearing the sto t-shirt 🔥 amazing video. Shmee, you defo need more lambos in wild colours.

[@Shmee150]

Legend!

[@thesigmaenigma9102]

I pay about $200 a month on insurance for my Huracan Performante. In the US it's all about your driving record. No accidents and no speeding tickets will get you a great rate. But the second you have a crash or get a speeding ticket it can triple overnight.

[@Kieran_OPC]

I'm 26 now, got a few cars sitting around not like your collection mind you.. Astra H VXR Arctic Corsa D VXR Clubsport Corsa E VXR Astra H SRi XP Mk3 Leon FR Estate It's not much really but it's a fair amount to insure that lot too, I use to run about in a corsa 70bhp fun as hell and infact.. I'll say that the 70bhp 1.2 hatchback is some of the most fun you can have in a car but my astra vxr is just awwww man! The Pantomime it brings out is brilliant

[@derrekjonathanhereford]

Thank you 😍 for sharing this with us, I found it very informative, things i didn't think about. I have a deeper understanding of how things work and the tip for young drivers like me 🥰.

[@Wortho1264]

Hi Tim, what an extremely informative video and much enjoyed. Cheers from Australia.

[@ryanjohnsio4384]

Hi Tim! Could you do some more Focus RS or Senna content? Been a while since you’ve last featured either on the video. :)

[@Shmee150]

Unfortunately the Senna has been out of action since spring, still waiting for a new damper and not a lot I can do about it until we have that

[@drewcama2488]

So nice to see you don't own any grey cars! The colour scheme of that Lambo is super sexy!

[@Shomanchik]

I just saw Zenvo TSR-S at Weissach, Vancouver, BC, Canada 😳😍😎 and it is the coolest car I saw this year. Hi to Stan from Weissach.

[@HarshPatel-fe5tz]

Hey Tim I had been watching for quite a long time now. It is quite hectic and difficult job to manage a car collection like this. But you are nailing it bro hope you continue to do the same in upcoming time. CHEERSSSS

[@dylanbezuidenhout8725]

In Namibia its not really necessary to have insurance to drive a car. The car needs to be road worthy, registered, yearly car license and of course u should be legally licensed then you are able to drive. Insurance is only necessary if u want to be covered incase of an accident

[@seatz37]

That road feels tight in my E46 M3. Impressed you managed to thread the Lambo down there!

[@gavenbatista2193]

U have the coolest car collection ever my dream car is the first gt

[@svgaming2716]

Coming directly from stradman video how cool that both the legends upload at almost the same time

[@Shmee150]

Thanks for watching!

[@mathieuferrand]

On the STO the problem is very extended parts of carbon. Even a minor front or front side impact it is the all front car (in carbon) to replace. You add to this the shortage of parts, insurance companies would rather declare the car not repairable.

[@TheHeatProducer]

Would be VERY interesting for you to make a full details expenses report of how much it costs to own all of your car in 2022 for example. Stradman did that. Scary… I mean ALL included, petrol, tires… thanks

[@Shmee150]

It would be terrifying

[@TheHeatProducer]

@@Shmee150 it will. But will be your most viewed video ever for sure 😉

[@BeunSoldaat]

I'm 25 and own a bmw m140i and I pay around €120 per month so paying £10k+ per year sounds insane! My first car was a Peugeot 206 when I was 18 and had 136HP and then bought a golf 4 105HP for a few years and then a golf 7 GTI 230HP and then a m140i 340HP and the golf 7 was by far the most expensive I had

[@rosspayne9025]

That's all very well but can we have 4K please. 1080 in 2022 is well past it. Keep up the good work.

[@fer054]

Tim, I don’t know if that color doesn’t represents you, but you did an extraordinary combination. When I buy my first sport/super car I’ll ask for your recommendation!!!

[@klobbersaurus685]

I really like these videos. It's really interesting to me what these cars cost to own.

[@williamrogercummings277]

this car is stsarting to get expensive. This is an eye opener. Thanks, Tim.

[@manharsegal1919]

God help me!! I’ll start saving now! Mine’s landing in January 2023! Hopefully my age will help as I’ve just turned 50. Thanks for the heads up Shmee!!

[@assail]

thanks for sharing the upkeep on these types of cars

[@TelepartyPlays]

Also not a fair comparison with USA. Their roads are huge and mainly straight. Not so in the UK plus the traffic.

[@ZLAKLR20B]

if your insurance company only uses statistics to work out your risk, they are pretty average, If they will consider you a higher risk driving a lower powered cheaper Lambo than when driving your far higher powered more expensive SF90, then they need their heads read. Have you shopped around for insurance or just stick to the same broker for the sake of it?

[@Eatsleepboost]

Wow those insurance prices are eye watering. My 12c is $1100 a year to insure with full coverage on the east coast of the USA

[@sportzntouring]

Risk isn't just about the probability of making a claim, it's the potential cost of the claim. E.g. a bump that cracks the cofango would be a much larger cost to replace than a bumper on a 675LT... Generally.

[@mattdavies3023]

Obviously risk plays a part but the key differences between the STO and other comparable cars is to do with repair cost. Bang the front end on the Ferrari and it’s one or two panels to change. Bang the front of the STO and it’s the whole clam shell to replace 🤷‍♂️

[@AP13P]

The front splitter is luckily separate.

[@rajasultan7473]

In the USA we have insurance under our parents name because the car has to be insured no matter who is driving it!!

[@Combatting]

Speaking of insurance. I was like you. I had to double check whether they got the figures correct prior to my history (2 accidents). They somehow managed to knock a grand from my previous year where everyone was quoting that much (a grand). This is with every mod declared on my ST3 as well. Was shocked at the figure.

[@alekspen]

I think you should put some decals on the STO to make the spec more race orientated

[@jamesr5741]

Really enjoy these drives in the Lambo down narrow, twisty roads. I think it suits it very well and doesn't need any more power. It just a very revvy, angry animal haha!

[@Max-eh1os]

I agree but wasn't the insurance claim on the senna still active when you got the sto that would effect the price you pay for the sto !!!

[@LR95051]

I personally own 5 cars, 26 years old, i found that it’s a lot cheaper to insure each one individually and if i insure all under one policy

[@banana-ui2qd]

i remember watching car throttle a few years ago and them calling around for insurance for some cheap crap car. and even though the dude said he was 25 with no accidents they wanted thousands of pounds. i was scared asf when i was going to get insurance for my first car (in Australia) but it ended up being under 400 pounds (equivalent) for a far more expensive car. not sure why insurance in the uk is so expensive

[@CharlieboySLONDON]

I payed £2800 to insure a 91 1.8 Golf GTI at 18 I almost sold the car as I only payed £2500 for it.

[@wrangazz]

Also correct me if I am wrong but in Australia you can also just get third party insurance that is alot cheaper but will only cover damage done to other vehicles in an accident and not cover your own car... alot of new drivers get that due to their first cars not being worth much anyway, but if you hit an expensive car your covered

[@banana-ui2qd]

@@wrangazz yep that is true, its about 100 pounds.

[@CarCultureColombia]

Now this is just funny, over here in colombia to insure a 911 992 turbo s is about 15,000 usd a year

[@CarCultureColombia]

Just my personal 2015 M235i is about 1,500usd a year just for insurance

[@streather]

I got quoted 6k to insure a 5 year old 1.6l Focus back in the day. This wasn't even as a 17 year old, this was when I was learning to drive in my 30s.

[@greebo3k635]

Love the STO! Love the cost-breakdown videos as well shmee

[@tysonfriesen5583]

Here in manitoba your insurance rate goes by your merits. You get a percentage off for having more merits, it surprised me to find that your insurance rate depends on your age but it makes sense.

[@danyb97]

The Huracan will go down as the most successful Lamborghini 🔥👏🏼👌🏼

[@Bradleyhollis]

I’m 23 years old living just outside London, I pay circa 2200 pounds per annum on insurance for my 981 Porsche Cayman S which I don’t think is terrible. I’ve always wanted to jump in a Lamborghini Gallardo by 25 however with insurance and running costs that seems very unlikely!!

[@diongalbreath9441]

Here in america you have to move to different insurance companies every year. American insurance companies love to rip off people who stay with them longer because they believe its unlikely they will go somewhere else. New customers always get the best deals. Get a tesla then you can insure your whole fleet at a third if the cost.

[@nickskinner1482]

Don't worry Tim , when older age visits the premiums tumble. I have a few classics and new cars and the premiums are surprisingly small.

[@andrewholt3849]

Probably cheaper to have the legal minimum Third Party Insurance and have separate Legal Assistance Insurance as an add on your Home policy so if it gets smashed up, but isn’t your fault, you can call on your Legal Insurance to claim from the other side. Insurance is a con: they so everything to avoid paying out.

[@rieskame]

Are you able to turn insurance on and off for when it is not being driven, and added to building insurance? I was able to do that with my Typhoon.

[@mickaldinho]

The Sto must be a keeper as its your only NA V10 and they wont be around for much longer

[@jongib6096]

Tim should live in the U.S, for many reasons!

[@markorchard2272]

I was an insurance manager for a very large global vehicle corporation.... all I will say is 'imagine if you had a small shunt and shattered the CF cofango'. That explains your premium

[@davidnimmo5115]

WOW very interesting episode.I bought my ticket for BOTB so fingers crossed I hope I meet you Tim & Christian 🤞👍

[@The_journeyy]

*When you've got a car like this your pockets have to be deep for those unexpected costs and expected costs* 🤪

[@budthecyborg4575]

Another reason the R35 GT-R is one of the best performance cars on the market. Not only does it actually carry a week of groceries, the insurance doesn't steal your groceries either.

[@sprograt]

In the U.K we get ripped off at any opportunity including insurance, I have a Hyundai i30N Performance I'm 46 years old and my fully comprehensive insurance policy costs me £232 per year whereas my previous car a Ford Fiesta ST was £549 per year.

[@jamiecoulthurst2251]

Can you properly enjoy a lambo on UK roads though? I'd be worried all the time that the car is too wide

[@jamesryanwigley]

I pay $4500 a year for my Porsche macan turbo. I’m 26 and have a clean driving record. Bit I considered buying a Kia Stinger GT to lower my cost, but it actually cost more! Insurance in America is broken

[@jamesrapp9778]

Cheers for the video mate 😎 👌

[@tomm6525]

How was it adding other members of the team onto the insurance? Did it affect the premium much?

[@Jasta315]

Whats interesting is mods have zero impact on insurance costs in the USA. Adding twin turbos would not increase your insurance at all here 🤷‍♂️

[@kreiseltower]

But you will spent a fortune installing them and insurance also won't cover the repair of those in case of an accident right? Here in Germany I can insure modifications if it's worth it but of course it will be an extra premium

[@ErikWP]

Car insurance in the UK is pure mafia. When I brought my Porsche Cayenne Turbo from the UK to Germany, the premiums went down 50%, despite the car feint a right hand drive. Admiral is one of the worst offenders. They kicked my wife out of the insurance because she “used the break too much”. In a car with over 400 hp…

[@mikelewis2456]

That’s the cost of owning high end Supercars Tim. Expensive to repair especially you track them. Tax right off 🤔😊

[@1289rd]

I would expect running costs to be expensive full stop!

[@Marks.Reviews]

When you were negotiating your insurance, did you mention the amount you were going to use the cars, so miles per year? Reason l say this is because your a lower insurance risk the more they sit in the garage. Especially those cars that in a year spend more time in the garage than on the road.

[@rajasultan7473]

You don’t have to tell your insurance everything especially a tune or anything shouldn’t really make a difference!

[@hardy3559]

Really enjoyed this video Tim 👏👏👏

[@hyper8545]

People should learn why insurance is so different in different countries. People will learn to want freedom. For some reason that seems to be going away...

[@HanSomSerBaklengs]

What about start filming in 4K Shmee.....it is 2022 after all.... Great content btv

[@saradrugi6760]

Did you drive the STO along Adriatic highway after collecting in Italy ? I missed some video & would love to see you drive that awesome road through Dalmacija. Also, with a US visit soon, will you have time to pick up the Zenvo for a similar scenic drive home through Europe? Hope so

[@MUV4TRUK4]

CRIKEY! SIX GRAND! I need to sit down

[@Dre2383]

If you plan to keep a car forever would depreciation even matter at that point since you’re never gonna sell it?

[@DannyMdlG]

Gotta keep track of your assets/finances if you intend to keep super cars forever!

[@pranavk6024]

Any chance you may upgrade the STO to the Aventador successor? Or maybe a future limited version of the replacement like an SV or something?

[@miguelmoninhas5341]

Well i pay almost 2000 CHF wich is almost the same in euros for my RS6. And the gtr was 2600 so each contry has different polices. And when you are young and you have a supercar or big engine car you would pay insaaaaane prices. My son for his mini coupe jcw he pays like 1900 chf for insurance Your car the STO here would be like 4000/5000

[@richardbannister7279]

The museum is hopefully like Fort Knox so that should also help with the insurance Not like u keep them on the street like most people with there Ford Focuses the STO is the colours it should be Lamborghinis should just be utter madness from the outside to the performance

[@rohanram2777]

Selling the huracan will definitely be a mistake. It’s impossible to find a replacement for it. It’s going to go super high in terms of value very soon.

[@SWR112]

My fully comp on my Car at £245 😂ok a few years on Tim and it’s not a Lamborghini but it means the world to me if anything should happen but £6k 😁 At the very least I feel a bit better about my renewal now. But a few years back I was on a driving holiday with friends and one of the group was driving a MINI Cooper GP he was only 18 or 19 and was paying £3.5k for insurance. I almost spit out my Coffee when he told me.

[@ItsRyan.]

Where is your GTC4 Lusso Tim? Haven’t seen it in the Garage on videos for a while it seems! In for service?

[@KSL12]

Thanks for the video, thought I was paying a lot for five cars including three Ferrari's and three motorcycles just under £3000.00.

[@EJAV99]

This video made my head hurt, Tim not happy with 6k insurance on an STO. I pay 2.5k for a diesel A class 😭 Insurance companies really do take the p*ss. My insurance premium increased by 20% this year because an old lady lightly bumped into me (Barely noticeable) I didn’t even claim through my insurance or hers! i just notified them, not fair for young drivers