C320
Part of things
Posts: 24
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Nov 20, 2019 21:26:41 GMT
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I have just run some quotes for a 18y/o girl, just passed test in full time education. Can't get a quote on any bmw (well 520 e39 was 6k lol) so far, so apologies. But a 57 plate (normal) ka £1800 Beetle cabrio 04 plate £2400 Focus cabrio 59 plate £2100 307 cc 04 plate £2400 Eos cc 58 plate £2500 Those aren't too bad considering pretty much the cost of most of those cars. Assume they are just TPFT? Goes to show how reasonable some of those new car / just add fuel deals are though... When I was 19 I got 1 years free comprehensive insurance on a VW Vento GL. When the free insurance expired, the insurers it was with asked if I wanted to protect my now 3 years no claims (I bit their hand off).
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Nov 20, 2019 21:39:27 GMT
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All those quotes are fully comp, with telematics.
Maybe possible to get them down, I used my dads old postcode as it's a curse word area, no additional drivers (mom and dad bring it down usually) and no pass plus
Panda 1.1 60 plate £1700 Panda 100 07 plate £2200 Panda 1.2 4x4 05 plate £2300 Smart roadster 05 plate £4000 Smart 1.1 forfour 54 plate £2300 Suzuki Ignis sport 1.5 05 plate £2300 Suzuki swift sport 1.6 57 plate £2400 Volvo c30 1.8i 08 plate £2800 Volvo c30 1.6d 58 plate £3000 Fiesta 1.25 53 plate £2300 Jimny 2005 £3300 Fors puma 1.7 r plate £9900! Copen 0.6 53 plate £9200! My golf plus 1.9tdi £3100 (i pay 250 with £0 excess and aftermarket wheels) Bmw 118d msport convertible 2011 £5200
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Last Edit: Nov 20, 2019 23:30:40 GMT by joem83
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MiataMark
Club Retro Rides Member
Posts: 2,961
Club RR Member Number: 29
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I was going to suggest an Alfa Mito, the smaller engines ones are zero tax, but I think the insurance group will be high.
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1990 Mazda MX-52012 BMW 118i (170bhp) - white appliance 2011 Land Rover Freelander 2 TD4 2003 Land Rover Discovery II TD52007 Alfa Romeo 159 Sportwagon JTDm
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jones7
Part of things
Posts: 33
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What about a Nissan Cube
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Last Edit: Nov 22, 2019 9:20:50 GMT by jones7
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Nov 22, 2019 12:00:01 GMT
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I find it hard to believe some of the suggestions on here - BMW's / GTI's / convertibles etc - last thing I would put any new young driver in UNTIL they had built up some experience of being out on the road - what's right / wrong and how to avoid contact with the idiots - once they have 24 months + experience with something dull & boring / little get up & go yet safe & practical then they can move on to something a little more adventurous - if they crave going fast buy them a hire car trackday for their Birthday or Christmas at least they will be going fast in the right conditions under the right supervision & safely in the right car
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Last Edit: Nov 22, 2019 19:16:22 GMT by Deleted
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brachunky
Scotland
Posts: 1,316
Club RR Member Number: 72
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Nov 22, 2019 12:42:42 GMT
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Not quite what you had in mind, but what about slightly larger diesel cars like early 2000's Merc's etc? Grandad cars which are unlikely to be stolen/modded are often insured for fairer prices
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Nov 22, 2019 12:52:59 GMT
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I didn't pass my test until I was 21 so I was spared the most expensive years of driving, but this has now got me thinking about what my friends were driving when we were 17/18/19 in the 90s. (those who were lucky enough to have their own car) The ones I can remember were:-
MK1 Polo Austin Metro Citroen AX (with cheap body kit) New MK3 Vauxhall Astra (rich parents!) Ford Sierra Skoda Estelle MK2 Golf Rover SD1 (Hands down winner of the Coolest Car in the College) Austin Allegro
The rest of us just had to blag lifts whenever we could.
Looking at that list now there's at least 3 bona-fide classics and most of the rest have achieved cool retro status.
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Nov 22, 2019 13:20:47 GMT
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Going back a while, but when my lad came to drive, I wanted him on his own policy to start the NCD. We lived in a fairly rural area, with a reasonably gentle post code. The best deal was on a very early Land Rover 90 petrol, via our local high street broker. On line stuff for the same vehicle was stupid! Even my own cars; Subaru Legacy x 3, 88" Land Rover - insured for business (rebuilding horse trailers and horse transport), 4.0L Range Rover, etc., I insured through them. Always happy with the price and service. A little more effort*, but don't discount your local broker. * The above is a lie, they were five minutes walk from home and across the road from a favourite Saturday lunchtime pub. "Just popping out to insure the cars, love. Has to be done every week. Honest."
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Last Edit: Nov 22, 2019 13:25:42 GMT by georgeb
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Nov 22, 2019 13:36:01 GMT
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Adding my experience to list. 6 years ago i insured a MK1 MR2 as my first car for £1600 It came in as the cheapest thing especially considering we already had the car. Now I'm 23 the insurance is £310 with a blame accident 3 years ago. Still using it as my daily driver 12k miles per year. They are reliable engines and parts are fairly cheap so the only thing likely to cause serious issues is rust.
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Nov 22, 2019 14:42:06 GMT
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I find it hard to believe some of the suggestions on here I know some seem daft, but so is insurance. Would you rather put your child in a small tin can with no crash protection or something bigger with a decent ncap rating? If the insurance difference is negligible then I know what I would be doing. The fact a focus cc is 3rd cheapest out of that list is astonishing. So is the copen at £9k! My first 2 cars were a 205 xs and a Rallye at 17. They were the quickest cars you could insure for a reasonable amount. Dispite thinking I was the stig I didn't crash either.
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Last Edit: Nov 22, 2019 14:44:24 GMT by joem83
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Nov 22, 2019 15:26:45 GMT
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Mk1 Focus? Mk3 or mk4 Astra? Old enough to be becoming a rare sight (ok maybe not a mk4) but modern enough to have some safety features and not crumple.
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Nov 22, 2019 15:28:00 GMT
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Up GTi 2019 £2200 Up (base spec) 64 plate £1600 with £450 excess all others so far have been £750 Mk2.5 Focus 5dr 1.8i 2008 £2500 Mk1 focus 2003 5dr 1.6i £3700 (car is £250 lol) Suzuki swift 1.3 gl 2007 £2300 Audi a1 3dr se 1.6tdi 60 plate £2500 Audi a6 2.0tdi 2006 £2700 Panda pop 2013 £1650 (£400xs)
So far the Up is the cheapest, plus £30 tax
Cars valued by the insurance as being over £2000 seem to be cheaper to insure, also newer seems to be cheaper - probably because if they right it off it's still worth money at auction
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Last Edit: Nov 22, 2019 15:56:56 GMT by joem83
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Nov 22, 2019 17:27:46 GMT
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And also older, (but not classic) cheap cars are more likely to be fragged and maintained on a shoestring, therefore more of a potential risk to third parties if the worst happens.
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Having just been handed a Clio by my cousin, and with an 18 year old sister taking lessons at the minute, I can present for everyone's perusal, a thorough examination of the various representative premiums proferred by insurance firms at this moment.
First quotes are with my sister on her own, main and only driver, living at home (Scottish Highlands), just passed test, no NCB or named driving, full-time student. Second line of quotes are with my mum added as a second (not main) driver, no claims, 25 years experience, own car, Civil Service Education Administrator. Third Party Fire & Theft and Full Comprehensive both selected with no legal protection, breakdown cover or any extra voluntary excess, all of which might have some bearing. The lowest quote of every vehicle was without telematics, but the 2nd and 3rd lowest prices were mostly by companies utilising telematics boxes, and in one case, a tracker. On any of the prices quoted, if it starts with a 1, the next price is approx £100 more, and then next £50 more than that. If it starts with a 2, 3 or 4, the next lowest quote is a full thousand pounds more. So just extrapolate other comparative prices for yourself.
2003 Renault Clio 1.1 16v 3dr at value £300 TPFT £1367, FC £1296 +mum TPFT £1033, FC £1055
Tried a 1997 Skoda Felicia 1.9d 5dr at value £700, just to investigate diesel non-turbo option (group 5 IIRC) TPFT £1484, FC £1461 so a hundred more than the Clio.
Tried a 2005 Subaru Forester 2.0X 5dr at value £1600, to check this not-fast-but-bigger-engined debate. TPFT £4580, FC £3532 +mum TPFT £4330, FC £2771
Realising that having my mum on the policy makes a significant difference, I just did the rest of the quotes including her.
Tried my 2002 Land Rover Discovery 2.5 Td5 at value £2000. +mum TPFT £No Quotes!, FC £3075
2005 BMW 116i 5dr at value £1600 +mum TPFT £4503, FC £1654
(That's a huge disparity in the pricing)
To check older stuff, small and large, I did these two:
1995 BMW 518i 4dr at value £2000 +mum TPFT £4436, FC £4271
1985 Skoda Estelle 1.2 4dr at value £1500 +mum TPFT £2191, FC £1881
So we can see clearly that not only is having a parent on-board extremely helpful, but also fully comp is often significantly less than third party options, regardless of the car. Last thing to try then, as it does appear that the bigger engined cars really are not producing any anomalies, is to run a couple of typical first time cars through and see. The likely options that we would go for are an Arosa and a Mini. So:
2002 Seat Arosa 1.0 3dr at value £900 (group 1/2) +mum TPFT £1027, FC £1067
2003 Mini Cooper 1.6 3dr at value £1000 +mum TPFT £1056, FC £1256
These two are higher for FC unlike everything else, but still, very cheap indeed. Surprised by the Mini, thought they would be much higher due to engine size and fondness for being driven into things by girls with freshly obtained licences. Anyway there you have it. Small cheap cars are positively still the best option.
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Looking at those numbers for insurance makes me glad we don't have compulsory insurance here in New Zealand. How do they get away with charging an annual premium that's more than the value of the car? Also makes no sense to me for TPFT to cost more than FC.
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I find it hard to believe some of the suggestions on here I know some seem daft, but so is insurance. Would you rather put your child in a small tin can with no crash protection or something bigger with a decent ncap rating? If the insurance difference is negligible then I know what I would be doing. I would do neither - instead they would have lowish cc fairly new motor that had been accredited with a 5 star N cap status and I would sleep soundly on a night - not that a high N cap test qualifies you to survive in the case of a worse event but it does mean that you far better protected than something that is not built to the test standard in the first place
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Last Edit: Nov 23, 2019 10:26:18 GMT by Deleted
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I find it interesting that the OP asked a question......
5 pages in he is possibly not able to comment, and the thread has run the usual gauntlet of opinions, advice etc.
My opinion when I saw the title was: “If it were reliable, everyone would drive one, making the ‘unusual’ aspect a bit redundant”
So we need to narrow this all right down to the original brief.
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Last Edit: Nov 23, 2019 8:24:01 GMT by grizz
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Nov 23, 2019 10:45:15 GMT
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Looking at those numbers for insurance makes me glad we don't have compulsory insurance here in New Zealand. How do they get away with charging an annual premium that's more than the value of the car? Also makes no sense to me for TPFT to cost more than FC. Really? Insurance isn't compulsory? I presume that New Zealand must be a more trustworthy and naturally law abiding society for that to work. Personally I'm glad it is compulsory in Britain, given the general standard of driving here. I'm guessing the reason for the discrepancy between fully comp and TPFT is that the latter insurance is usually bought by owners of bargain bucket motors who maintain them on a shoestring, don't give a monkeys about dents and scratches etc or thrash the car until the MOT runs out. In other words a higher risk.
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Nov 23, 2019 10:51:11 GMT
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Is new Zealand same as oz where third party cover is part of your road tax (i know it's called something different but I just got up lol)
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Nov 23, 2019 10:57:21 GMT
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I've got third party only in case I hit something expensive. That costs me about $95 a year on a car that's worth about $1500 but I'm 53 with a good no claims history. As a comparison my 18 year old daughter (on a learner licence) has TPFT cover on a $960 Hyosung motor scooter which costs in the order of $200 a year. Fully comprehensive on the scooter would have been $600.
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