After using Phunk's line, you can follow up with heaps of extras, over a few days if needed:

"How much difference in insurance do you reckon there would be on your car if a younger driver like me was driving it?

2 days later, and no response "Did you know it will be an additional $XXX for an under 25 Year old?"


4 days later, and no response "You know there is an additional $XXXX excess in the event of an accident with me at the wheel?"

Or just be honest:

How well does your car drift dad?

Does it do line locks?

How hard can you hit a gutter before a rim bends?

Control arm bends?

Chassis Rail bends?

Do you reckon your car is quicker than a rental car? Company car?

Do you reckon you really need a 4WD to get on the beach or will a little speed be enough?