karlak
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| posted on 29/1/11 at 12:22 PM |
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First car ??
My eldest lad is now 17 and so it may be time to start thinking about a car for him, be handy to get some "L" plate experience and then as
a first car when solo.
My mates who have gone through this recently all have daughters so I gather the insurance side of things will differ massively, any tips on what to
look for corsa/fiesta etc? How to get the insurance side a bit more manageable?
Cheers 
MK Indy - 2litre Duratec - Omex 600 - Jenvey throttle bodies - ETB DigiDash2
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Yazza54
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| posted on 29/1/11 at 12:32 PM |
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I had a mk2 punto for my first car, being a 1.2 though there are cheaper 1.0 options like corsas, saxos out there etc. But it was a great first car,
nippy...great fun. Can't imagine driving something that slow now, only 3 years ago! But like they say, sometimes it's more fun driving a
slow car quickly than a fast car slowly.
What about a kit?
I'm unhappy cos I eat and I eat cos I'm unhappy
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ReMan
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| posted on 29/1/11 at 12:33 PM |
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Corsa of the two
Look for something "bog standard" no alloys. neons or spoilers
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StevieB
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| posted on 29/1/11 at 12:34 PM |
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My baby sis is going through all this at the moment.
I convinced her to buy something interesting but cheap (spotted a decent enough mk1 fiesta 1.1 for £500). Problem is they still wanted £2,500 for
TPFT insurance.
It's getting to the point now where you need to subtract the insurance premium from your budget and that's how much your car will have to
cost.
Jess's £3k of hard earned is going to get her 12 months insurance and an old $hitter that will probably spend a lot of time on my drive being
fixed.
However, IMHO that's what first cars should be all about
Choices I've narrowed down with her are Ka, Lupo (and Seat equivelent) and an old Nova (but only because I had one myself). She really wants a
classic mini but while they're just as cheap on the insurance front, it's not as easy to find a decent one for the same price as the
others.
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P ?
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| posted on 29/1/11 at 12:35 PM |
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get a new car on finance with 1st years free ins ... look out for the pitfall of being 21 and older !!! or get a classic car thats 15years and older
to ins as a classic thats 2 extremes !!! otherwise corsa and grin and bear it !!!
its worth asking which insurers take on board the passplus and other courses ... tho sometimes it costs more to take this than get the ins at normal
price !!!
ive just lost 5 years ncd on my lupo 1.7sdi (works shed) and paid 320quid last year my quote to renewal is 1600 quid lol. so selling up and going to
run the corrado full time at the cost of 512 fully comp 
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MikeRJ
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| posted on 29/1/11 at 12:37 PM |
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Make sure you are seated when you get quotes, you might be in for a big shock!
The usual insurance tips are to phone the insurers directly rather than use comparison sites, and to add low risk drivers (e.g. yourself and wife
etc.) to the policy as named drivers.
A lot of young lads try 'fronting', were they put the main driver down as their mum or dad, but it can really bite them in the arse if a
claim is made and the insurance company suspect this. They also don't build any no claims, which is vital for a youngster to get reasonable
insurance premiums.
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P ?
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| posted on 29/1/11 at 12:37 PM |
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also look into purchase hire that charges a lot a month but get a car plus ins and all included except petrol/diesel
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Danozeman
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| posted on 29/1/11 at 12:40 PM |
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Our apprentice at work is looking for a first car at the moment. hes looking at quotes of over 2500 for 1 litre polo's an the like.
Iv heard rover 200/25 1.4's are not too bad to insure. they do a 1.1 rover 200 aswell. Bloody good cars really.
Dan
Built the purple peril!! Let the modifications begin!!
http://www.eastangliankitcars.co.uk
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Andybarbet
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| posted on 29/1/11 at 01:02 PM |
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Can you get classic insurance now if your under 25 ??? When i passed in 1990, you couldnt go classic insurance until you were 25.
Give a man a fish & it will feed him for a day, give him a fishing rod & you've saved a fish.
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Yazza54
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| posted on 29/1/11 at 01:04 PM |
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quote:
Originally posted by StevieB
My baby sis is going through all this at the moment.
I convinced her to buy something interesting but cheap (spotted a decent enough mk1 fiesta 1.1 for £500). Problem is they still wanted £2,500 for
TPFT insurance.
It's getting to the point now where you need to subtract the insurance premium from your budget and that's how much your car will have to
cost.
Jess's £3k of hard earned is going to get her 12 months insurance and an old $hitter that will probably spend a lot of time on my drive being
fixed.
However, IMHO that's what first cars should be all about
Choices I've narrowed down with her are Ka, Lupo (and Seat equivelent) and an old Nova (but only because I had one myself). She really wants a
classic mini but while they're just as cheap on the insurance front, it's not as easy to find a decent one for the same price as the
others.
Young girl in a classic mini is 
I have seen a few on ebay, but they're not as cheap as I first thought.
I'm unhappy cos I eat and I eat cos I'm unhappy
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trextr7monkey
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| posted on 29/1/11 at 01:11 PM |
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We have just put a car on the road for 18 year old son, passed test 8 months a go, pass plus etc.
Best deal we found was £1600 fully comp in his own name with myself and wife as named drivers, car is garaged overnight. Insurance is ona deal where
after 10 months a years no claims bonus is given
The car is a 2003 seicento all 1100cc of it , seems tidy enough and nippy we paid £1150 with 6months tax and test on it , 2 elderly owners before so
not thrashed.
Ironic that the insurance costs a lump more than the car!
hth
Mike
http://www.flickr.com/photos/14016102@N00/ (cut and paste this dodgey link)
Our most recent pics are here:
http://s129.photobucket.com/albums/p211/trextr7monkey/
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P ?
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| posted on 29/1/11 at 01:24 PM |
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I'm 30 so don't know about being 25 and gaining classic ins it's worth asking adrain flux chris knott or some other classic
specialist insurers
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Yazza54
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| posted on 29/1/11 at 01:46 PM |
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Cheapest my mate could get for his renewal was admiral, he's 20 though not 17. £1000 excess though! Yikes..
I'm unhappy cos I eat and I eat cos I'm unhappy
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britishtrident
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| posted on 29/1/11 at 02:31 PM |
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Rover 25 with the 81hp engine --- derated version of the 104hp K for insurance purposes. Easy and cheap to fix 3* Ncap.
Beware some small cars have very poor NCAP ratings check for model year for example some older FIAT Puntos barely manage 2 stars but others get 5
stars
[I] “ What use our work, Bennet, if we cannot care for those we love? .”
― From BBC TV/Amazon's Ripper Street.
[/I]
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britishtrident
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| posted on 29/1/11 at 02:37 PM |
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For cheap cars TPFT insurance is now usually as or more costly than full comp.
[I] “ What use our work, Bennet, if we cannot care for those we love? .”
― From BBC TV/Amazon's Ripper Street.
[/I]
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karlak
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| posted on 29/1/11 at 03:15 PM |
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Thanks for the advice guys.
I think i will look for cheaper older car than we first thought. The Polo's from around the P reg age look good for ABS , airbag etc. I guess
they would be OK for the crash testing as well. (is the Polo a bit girly ?? )
Oh, if anyone knows of any for sale in the Milton Keynes area,, drop us message
MK Indy - 2litre Duratec - Omex 600 - Jenvey throttle bodies - ETB DigiDash2
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britishtrident
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| posted on 29/1/11 at 03:34 PM |
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97 Polo is 3 star Ncap --- pretty good for the the year and size.
One advantage of the VW is the electronic diagnostic prospects are good.
Downside is they attract a price premium over the Corsa/Punto herd.
Beware Corsa engines they suffer badly from cam & valve gear problems however they electronic diagnostic prospects are good.
With FIATs the biggest problems are imobilisers and head gaskets.
[I] “ What use our work, Bennet, if we cannot care for those we love? .”
― From BBC TV/Amazon's Ripper Street.
[/I]
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BigGeoff
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| posted on 29/1/11 at 03:40 PM |
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There is now a Btech course which has kind of superseded Pass Plus you can get to the info via http://www.driveiq.co.uk/
they have some great insurance rates.
The other place to try is http://www.collingwoodlearners.co.uk/ also seem to be very good for young drivers.
Whichever way you do things go for something in a very low insurance group for the first two years - then it all gets a lot better if they don't
have any bumps or speeding offences.
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karlak
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| posted on 29/1/11 at 04:19 PM |
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quote:
Originally posted by BigGeoff
There is now a Btech course which has kind of superseded Pass Plus you can get to the info via http://www.driveiq.co.uk/
they have some great insurance rates.
The other place to try is http://www.collingwoodlearners.co.uk/ also seem to be very good for young drivers.
Whichever way you do things go for something in a very low insurance group for the first two years - then it all gets a lot better if they don't
have any bumps or speeding offences.
Cheers for that - the learner driver insurance does not come out too bad at all with collingwood - 3months for £270 on a 1 litre Polo
[Edited on 29/1/11 by karlak]
MK Indy - 2litre Duratec - Omex 600 - Jenvey throttle bodies - ETB DigiDash2
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eddie99
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| posted on 29/1/11 at 04:23 PM |
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I have a perfect fiesta for sale in for sale section
http://www.elitemotorsporteng.co.uk/
Twitter: @Elitemotoreng
Facebook: http://www.facebook.com/pages/Elite-Motorsport-Engineering/153409081394323
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NOTE:This user is registered as a LocostBuilders trader and may offer commercial services to other users
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macc man
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| posted on 29/1/11 at 04:34 PM |
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Things have not changed that much. My first car was a 1200 Ford Anglia. Cost £100 to buy and £100 to insure.
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karlak
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| posted on 29/1/11 at 04:52 PM |
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quote:
Originally posted by eddie99
I have a perfect fiesta for sale in for sale section
Yep, saw that, looks nice. But a 1.6 would just cripple him (us) on insurance, in fact similar types of Cars but with smaller engines command higher
prices. Market forces I guess
MK Indy - 2litre Duratec - Omex 600 - Jenvey throttle bodies - ETB DigiDash2
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eddie99
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| posted on 29/1/11 at 05:03 PM |
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Might be worth trying... You find a lot of insurance is done on figures, so if less people have had a 1.6 fiesta, all thinking it would be better
having the 1.2, less 17year olds have crashed 1.6's so therefore sometimes its cheaper. Thats my logic anyway, i had a 1.7 puma as my first car,
was cheaper insurance than any 1.1's i found....
http://www.elitemotorsporteng.co.uk/
Twitter: @Elitemotoreng
Facebook: http://www.facebook.com/pages/Elite-Motorsport-Engineering/153409081394323
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NOTE:This user is registered as a LocostBuilders trader and may offer commercial services to other users
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eznfrank
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| posted on 29/1/11 at 05:05 PM |
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If the car's not worth a great deal try full comp but with as much voluntary excess as they will allow.
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morcus
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| posted on 29/1/11 at 06:32 PM |
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Remember that the insurance will shoot up once they pass.
Think yourself lucky you don't have any special requirements. I got my first car at 21 and needed an auto and I can tell you it's not easy
to find a cheap small car with an autobox, I had £600 to spend on the car and the month I got it I had a choice of 3 cars (Mk2 Fiesta with a huge dent
and broken Radio, Mk3 Golf 5Dr or a 205 3dr) I was kind of lucky because I really wanted a 205. There are some weeks though when I check autotrader
and there are no cars I would have been able to buy in a 50 mile radius. Mine went from 1400 to 1600 when I passed my test (TPFT), My Current car
which I bought less than a year later got me about £1000 fully comp, on a Brand new Panda.
Most of the free insurance deals on HP and new cars don't apply to 17 year olds but the ones that do might be worth looking into as there are
some cars out there where the monthly instalments for both are going to be less than the installments on insurance for a shitty old car.
My brother has been looking into this and had the same kind of problem. The funny thing is that so far the cheapest quote he's had was on a 911.
Obviously he got that quote as a joke but he was offered classic insurance on an 80's 911 for about £2K with the same mileage and conditions
he'd been using for quotes on sensible cars.
I personally would say your wasting your money buying a 17 year old boy a car, wait a while and the insurance will be a bit cheaper and he'll
have the time to save up and pay for it himself.
In a White Room, With Black Curtains, By the Station.
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