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Like um too, but have you considered a VW of some sort, you can now get bargain Passats up to 1997 models, diesel or petrol, if you search around you could find a low miler for about 2-3k. Insurance is the real problem however for the young driver. I have a VW passat TDI 1.9, Endsleigh quoted me £1700 fully comp and 1100 3rd party, i told them to get stuffed of course. But we all need insurance. I currently have the car under my mother's policy until such a time as i can afford to have my own, i am already in my late tweenties and things still are not loolking resonable. Therefore, getting a low CC engine is a good way forward. On a old 1.lt Fiesta i had, i paid £5003rd party at the age of 24 and fully comp was still a joke. Try an insurance broker, or get your parents to insure you on their policy (of course they have to be willing to trust their no claims bonus????)
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I currently
> have the car under my mother's policy until such a time as i
> can afford to have my own, i am already in my late tweenties
> and things still are not loolking resonable. Therefore,
> getting a low CC engine is a good way forward. On a old 1.lt
> Fiesta i had, i paid £5003rd party at the age of 24 and fully
> comp was still a joke. Try an insurance broker, or get your
> parents to insure you on their policy (of course they have to
> be willing to trust their no claims bonus????)
This is dodgy advice, insuring under someone elses name with you as the second driver (when you are really the main driver) is a classic excuse for insurance companies to get out of paying.
Andrew
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Agreed. Better to get your own insurance and build up some no-claims...
Agree about Ka, too, but Rover 200 (original idea) is not too uncool, although I suspect that HJ may have something to say about reliability.
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The Rover 200 (new-ish shape) was built to try to impress BMW. They are supposed to be a great little car.
The only problems I had when I was looking around them was the interior. Compared to most modern interpretations the 200 is a bit patchy.
However, their engine choices are much more varied (and modern).
I'd agree on the insurance issue as well: get it insured for yourself. Some companies may take into account a claim free driving history - even though the policy is someone else's and you are a named driver.
I bought a new Ka and would, if Ford keep the same design principals with a more dynamic and diesel-like engine choice, buy one again.
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I have owned a 97P plate 214 SI since new and have had few problems with it (battery & new exhaust required last year).
It is a great motor and not as cramped for space as people would have you believe as long as you are not much over 6ft tall.
I went for one as insurance costs were low given the cars performance (0 - 60 in 10 secs). You could do a lot worse. The torque steer is fun too!!!
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The rover 200 series is quite a pricey car to insure, 216 is rougly group 12, yikes....bad news for anyone without a couple of years of NCB's, and forget it if your a young driver.
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far enough if you have the cash to spare, but a lot of yong people don't, do you know what the minium wage is?
Most if not all insurnace companies just give silly figures for even 3rd party, an example is my last car Peugeot 309 1.6, 3rd party again, £1200 from AA and similar from Endsleigh. I have never made a claim, have had a licence for 10 yrs and have no points! They don't give a damn, until you are over 30 yrs with 50% no claims it's all a damn rip-off!!!
If you have a job and can pay monthly then go for it, but with the amount your paying you could almost buy a new car on repayments!
I am allowed to drive an unlimited amount of miles with my current Sarga policy, fully comp £100 excess, no nonsense! My parents have full no claims protected whihc allows 1 claim every 3 yrs, luckily it's never been tested. If someone smashes the window or stabs the tyre i pay anyway, becaseu the hassel for the £50 is just not worth it. However, i am covered if i kill that girl who decides to run out across the road! This is surely the point of insurance?
But go for your own policy if you loaded enough to pay £120 a month!
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But does Saga know that you're the main driver? This is an old loophole that I would have thought the insurance companies would have closed by now (and probably have, when you come to make a claim).
BTW, I do know what the minimum wage is - I have enough trouble paying for my own insurance! I hate to defend the insurers, but one reason that the premiums are so high is that the repair costs have rocketed. E.g. if you bashed a metal bumper a few years ago, a new one cost £50 and was easy to fit - now you have acres of plastic to replace, and probably lights as well, as the plastic wasn't strong enough to resist the impact in the first place. A new front (or rear) end will be getting on for a £1000...
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Another reason for increased insurance costs are personal injury claims from No-win No-fee shysters. . .
We end up with a society claiming for debilitating injuries in the law courts yet are able to get a few sessions in the squash courts. Until there's a definitive test for whiplash, other than asking about whether your neck's a bit sore, then we're all likely to meet increased insurance costs.
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Neil wrote
>Another reason for increased insurance costs are personal injury claims from >No-win No-fee shysters. . .
i completely agree. The angle i am coming from with being insured under your parents policy is that unless you have the security and money to start building up your own, it is one way of getting on the road, especially if you are young and still living at home. However, it is of course preferential to start your own no claims asap as this gives a longer term benefit.
Basically, with the sarga policy i have, my parents own two cars, one of whihc i drive and keep at my address. Sarga know this, and know too that the car is garaged and is not limited to a certain milage. The cover is fully comp for £220 with Euro breakdown recovery. I know full well that it is not wise or worth it to claim for £100 or even £200 becasue of the max no cliams bonus that would be lost. But if i trash the car, or it is nicked or i kill some kid, then i find it hard to see how Sarga can claim that i am not covered. I have read the small print religiously in light of this occuring.
I am ready to concede though that if i need to make a big claim, any insurance company will try to worm out of it, that is their remit!
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