Would this make a good first car...
Discussion
....a Rover 620Ti?
They're cheap to buy and powerful, which I find a good reason to buy one.
What are they like to live with? Is it cheap to run and reliable or is it a quick way to bankruptcy?
Also, how much do you think it would cost to insure?
I'm 19 so it could be expensive, but I was planning on going through my mum's insurance.
How much do you think I'll save?
Would it be cheaper still if my Mum put the car in her name and put me down as a second driver?
All help greatly appreciated
They're cheap to buy and powerful, which I find a good reason to buy one.
What are they like to live with? Is it cheap to run and reliable or is it a quick way to bankruptcy?
Also, how much do you think it would cost to insure?
I'm 19 so it could be expensive, but I was planning on going through my mum's insurance.
How much do you think I'll save?
Would it be cheaper still if my Mum put the car in her name and put me down as a second driver?
All help greatly appreciated
Insurance for me, at 20, with two years noclaims, comes back as about £1500/year.
Get something small and bangerish, run round in that, get some experience, then take a couple of steps up the ladder, with your own insurance, build up your own noclaims...
They're cheap to buy, sure, but they're not known for their reliability, and now they'll be getting on a bit, I'd be constantly wary of big bills, especially as a daily driver.
Get something small and bangerish, run round in that, get some experience, then take a couple of steps up the ladder, with your own insurance, build up your own noclaims...
They're cheap to buy, sure, but they're not known for their reliability, and now they'll be getting on a bit, I'd be constantly wary of big bills, especially as a daily driver.
The Dishwasher said:
....a Rover 620Ti?
I'm 19 so it could be expensive, but I was planning on going through my mum's insurance.
How much do you think I'll save?
Would it be cheaper still if my Mum put the car in her name and put me down as a second driver?
Unless your trying to be funny dont put that on here... I'm 19 so it could be expensive, but I was planning on going through my mum's insurance.
How much do you think I'll save?
Would it be cheaper still if my Mum put the car in her name and put me down as a second driver?
Pulse. said:
That's insurance fraud if you're driving it more than 50% of the time. May aswell be driving with no insurance.
Keep doing quotes on confused.com for loads of cars, and you'll eventually find one at the right price.
I was about to make a similar comment. Keep doing quotes on confused.com for loads of cars, and you'll eventually find one at the right price.
Also, to the OP, I'm 20, and insurance for me on a 1.6l 306 cost me £800, just slightly less than my mate on his 1.8l Focus saloon.
Neither of us have any no claims.
If you bought that car, you'd be looking at a premium of about £2000 from the cheapest, if not about 4k.
The best way for cheaper insurance is to go through moneysupermarket and confused.com, as they get you quotes from Admiral, Elephant and Bell (Maybe) who tend to be the cheapest if you have no NCB.
I'm not trying to be funny.... but be serious.... It's your first car.
A regular non turbo 620 is easily fast enough for a first car. Still vaguely quck enough for a third or fourth car really.
Plus the insurance companies are very wise to kids putting quick cars on their parents policies. If you do claim then expect to be put under the microscope. I claimed after i crashed my mum's car a couple of years back and it took months to pay out, and i think they only did after i proved i had my own car insured in my name too. Really not worth the hassle to be honest. You can afford to fix it up if they don't pay out on a minor crash, you can't afford a couple of hundred grand settlement if you kill someone though (and i doubt your parents would appreciate their house being reposessed to cover it).
Plus the insurance companies are very wise to kids putting quick cars on their parents policies. If you do claim then expect to be put under the microscope. I claimed after i crashed my mum's car a couple of years back and it took months to pay out, and i think they only did after i proved i had my own car insured in my name too. Really not worth the hassle to be honest. You can afford to fix it up if they don't pay out on a minor crash, you can't afford a couple of hundred grand settlement if you kill someone though (and i doubt your parents would appreciate their house being reposessed to cover it).
Exactly... Insurance companies aren't stupid. They may allow you to do it, because hey, what do they care if you're not insured properly? As long as they've got what is effectively FREE MONEY, as when it comes to a claim, they'll just inform you that your insurance policy is void.
Go for something slow, but looks nice. Going fast isn't everything in the world.
I only passed a few years ago. I think I was 20 or 21, and insurance on my first car was more than double what the car was worth!
I would personally keep a look out for a 1.0 Corsa C, or similar, as they're group 1 insurance (although there are other factors too, including how many have got nicked etc)
Go for something slow, but looks nice. Going fast isn't everything in the world.
I only passed a few years ago. I think I was 20 or 21, and insurance on my first car was more than double what the car was worth!
I would personally keep a look out for a 1.0 Corsa C, or similar, as they're group 1 insurance (although there are other factors too, including how many have got nicked etc)
Old Micra. About a 94-the latest you can afford. A 1.0 is quick for a small car, 1.3 will crack the ton but obviously cost more to insure. Mechanicals reliable as you like, get one with ticket and check the bodywork for major rust. Oil and filter change every 5k, it'll run for years.
Cheap to buy, cheap to fix should anything break, cheap to run, cheap to insure.
Cheap to buy, cheap to fix should anything break, cheap to run, cheap to insure.
PeteG said:
Old Micra. About a 94-the latest you can afford. A 1.0 is quick for a small car, 1.3 will crack the ton but obviously cost more to insure. Mechanicals reliable as you like, get one with ticket and check the bodywork for major rust. Oil and filter change every 5k, it'll run for years.
Cheap to buy, cheap to fix should anything break, cheap to run, cheap to insure.
Wouldn't it being Japanese make it more expensive to insure than the equivelant European car?Cheap to buy, cheap to fix should anything break, cheap to run, cheap to insure.
PeteG said:
I'd not have thought so. And they are genuinely good cars, and far more reliable than any French of similar vintage.
A Micra it is then.OT: How the hell do you insure an Omega V6 for £1500/year with 2 years NCB, when my friend in 2.0 Vectra estate with the same NCB and same age can only insure his for £2000/year. It is an SRi though, could that be why?
The Dishwasher said:
PeteG said:
I'd not have thought so. And they are genuinely good cars, and far more reliable than any French of similar vintage.
OT: How the hell do you insure an Omega V6 for £1500/year with 2 years NCB, when my friend in 2.0 Vectra estate with the same NCB and same age can only insure his for £2000/year. It is an SRi though, could that be why?
I honestly don't know why.
Never never never get insured as a named driver, its a false economy. Just get your own insurance policy on something that looks fairly nice but with a small engine and build up your NCB. My first car was a Fiat Cinqucento Sporting Abarth. It may be a bit crap but at the time it was only 4 Years old and it looked ok and had electric windows. After i'd built up some NCB i swapped it for a MK2 Golf Gti 8v. A fair jump up in the speed stakes so it was worth putting up with a slow car for a while ( it didnt feel that slow really as all my friends had similar cars)
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