shaun4860 Posted October 12, 2012 Report Share Posted October 12, 2012 Having spent the last 7 days trying to find a first car for my niece, (17 year old, just passed test) I have finally found her a 1.0 Corsa. I have spent the time looking at some right sheds!....even one earlier that had clearly been in a nearside front heavyish crash (found the mot failure sheet in the car, front wishbone, track rod end, spring), also the wheel had a serious ding in it and it pulled to the left whilst driving, (he was going to mot it when it was sold for the new buyer) why cant people just be honest? I am now in the position of hoping the one we have bought is reliable as im going to be on pins waiting for it to pack in and know its going to be "this bloody car uncle shaun bought" This is a pointless post really, its just im fed up of looking at used cars, and dont even think of getting me started on young drivers insurance. Her Grandma gave her £3k for a car And insurance, £1271 for insurance so as said she now has a 2004, 1.0 Corsa for £1850 with 6 months tax and 8 months Mot and fingers crossed its ok. As said there are are some sheds out there but because these cars are the cheapest to insure for young drivers they go for silly money for anything half decent. well thats my little rant over..... Quote Link to comment Share on other sites More sharing options...
welsh1 Posted October 12, 2012 Report Share Posted October 12, 2012 Just be thankful it is a girl on insurance,my son on a peugeot 106 1.0l on an x plate is £3000 per year,he is 17.5. In january girls will come into line with boys thanks to the eu,so get a years insurance in now. I know what you mean about cars that are different as described when i was looking i found rear end damage on one car where it had been shunted,and that was a dealer,another car that was described as immaculate had a cracked sump,and the interior was mouldy,that bloke was told exactly what i thought of him after travelling 60 miles to view the car Quote Link to comment Share on other sites More sharing options...
shaun4860 Posted October 12, 2012 Author Report Share Posted October 12, 2012 I found anything 1.0 that wasnt a corsa was silly money, the corsa is a 3 cyl engine If you and the wife both drive, get yourself put as named drivers on his policy brings the price down quite a bit the 1.2 corsa was £1000 more than the 1.0 for insurance.... all the small "foreign" cars are horrendous for insurance Quote Link to comment Share on other sites More sharing options...
BerettaSV10 Posted October 12, 2012 Report Share Posted October 12, 2012 Hate to say it, it's not only the young that get hit with high premiums. If you have an illness that is not protected by certain EEC rules, but dvla say you can drive, the premiums can go through the roof. It took me a few years to get mine back down to a reasonable premium and like with youngsters some won't even quote. Quote Link to comment Share on other sites More sharing options...
welsh1 Posted October 12, 2012 Report Share Posted October 12, 2012 Named drivers don't work like it used to ,we tried all sorts,but the best deal we could get was the 3k,My job carries a high premium,but we thought his mum as a nursery manager would lower the quote, how wrong we were,only the year before his brother was quoted 1.5k for the same car they are two years apart,so the premiums have doubled in a year,we asked the insurance company about it and they were up front and admitted that insurance for the young driver has doubled over the past year. Quote Link to comment Share on other sites More sharing options...
M.I.A Posted October 12, 2012 Report Share Posted October 12, 2012 In my line of work i occasionally look to arrange policy's for my clients children's first car as either a learner or new driver and I can't believe what they are expected to pay I even have access to a specialist scheme in which a GPS unit is installed to there vehicle to monitor there driving etc in order to reduce the premium and still the average premium is around 2k I've been in this game for a long time now and one thing I will guarantee is that premiums keep on rising for new/young drivers Quote Link to comment Share on other sites More sharing options...
M.I.A Posted October 12, 2012 Report Share Posted October 12, 2012 As for the used car market, it's a mine field. I won't get started on that one! Quote Link to comment Share on other sites More sharing options...
Asa Bear Posted October 12, 2012 Report Share Posted October 12, 2012 A lad I work with travelled from Coventry to Bedford to view an 06 Audi with 66k miles today. It was described as very good condition with fsh. What he found was a poor example with dinks & scratches in the paintwork, pages missing from the service book, Tippex on the log book and when he rang VOSA they told him at the last MOT the car was showing 137k miles. All this from a dealer! Quote Link to comment Share on other sites More sharing options...
Chr15j Posted October 14, 2012 Report Share Posted October 14, 2012 Leasing a new car is a good alternative to buying a potential. But I would say that I run a leasing business. I remember my insurance on an Audi 80 sport in 2002 was about £1200 and thought that was steep (I sucked ut up as wanted own ncd. Now 31 with 8 years ncd and still paying >£400 for a poxy freelander! Quote Link to comment Share on other sites More sharing options...
Chr15j Posted October 14, 2012 Report Share Posted October 14, 2012 Try a bigger less funky car, an old Volvo perhaps. No they won't look cool but ins will be cheaper as lower risk rating from accident stats plus who goes joining around in an old 740, no-one. Plus safer than an egg box death trap. Run a fake quote and see how it comes in Quote Link to comment Share on other sites More sharing options...
gixer1 Posted October 17, 2012 Report Share Posted October 17, 2012 When will someone step in from a governing body and put a stop to the silly prices kids are expected to pay for insurance an first homes - talk about forcing our future out of the country! Regards, Gixer Quote Link to comment Share on other sites More sharing options...
Mikaveli Posted October 17, 2012 Report Share Posted October 17, 2012 When will someone step in from a governing body and put a stop to the silly prices kids are expected to pay for insurance an first homes - talk about forcing our future out of the country! Regards, Gixer It is a bit mental. I can understand steep insurance for a fruity car, but a standard 1.0l run around shouldn't have to cripple you financially. Quote Link to comment Share on other sites More sharing options...
mr williamson Posted October 18, 2012 Report Share Posted October 18, 2012 Try a bigger less funky car, an old Volvo perhaps. No they won't look cool but ins will be cheaper as lower risk rating from accident stats plus who goes joining around in an old 740, no-one. Plus safer than an egg box death trap. Run a fake quote and see how it comes in You will be paying more if you went for an ovlov (volvo) im 25 and driving a 1,9 golf gt tdi costs me £500 a year, tried a volvo V70 nocked it up to £900! These insurers are taking the ****, lifes expensive enough as it is!! Quote Link to comment Share on other sites More sharing options...
jackinbox99 Posted October 18, 2012 Report Share Posted October 18, 2012 Insurance is all about statistics and ive had lots of fun over the years trying to insure things. Corsa`s, Saxo`s and Peugeot 106`s are all very high risk cars as they are the typical "first car" for a lot of youngsters. And what do youngsters do? Yes, they crash them. So, you need to pick a car which is not usually driven by youngsters and therefore will be a low risk. Engine size is irrelevant, so whilst you think a 1.0 corsa would be cheaper than say a BMW 728i you may find its cheaper to insure the beemer as statistically less young kids have probably crashed the beemer. Also you would have thought fitting an alarm or imobiliser to your car would reduce the premium. Wrong. Very often it will increase it as thieves cause more damage trying to disable the imobiliser than if the car didnt have one. Parking car in a locked secure garage? Dont bother.. if you park on the street outside your house your premium will drop. This is because in the garage the car is out of sight, so a thief can spend as long as he wants breaking into it. On the street outside he`s got more chance of being seen and scared off. All true! Just go onto confused.com and play around with quotes - change your job title to something else which is still the same as what you do but different words. Like Sales Executive might be Customer Relationship Executive or something - you`ll find that will drop it. Married? If you put you are married rather than just living with your girlfriend, then my premium goes up. Why? Are married men likely to be more stressed and crash their car? I had fun trying to insure a 313hp Nissan 350z Roadster the other year. I had 20 years NCB and was paying about £220 to insure a Golf GT TDI. So ring up the insurance company and they wanted over a grand. Over a grand! I added my grandmother to the policy just out of interest and it dropped the premium by about 200quid! Amazing. So they think my 90 year old granny is a safer risk than me in a 300 bhp RWD car? I remember when the Yamaha R1 first came out. I was looking to buy an old Honda Fireblade for about £1500 just to get to work on and all the insurance companies I spoke to wouldnt touch me on it and if they did they wanted about 1000 quid to insure it. So, I then asked out of interest about the R1 and they said "no problem, that will be £100 a year". I couldnt believe it. The R1 was faster, more powerful and at the time worth about 4 times the price of the Fireblade! Mad! But, statistically because the Fireblade had been out longer, more had been crashed and thus a high risk. So I went out and bought an R1 instead. I certainly these days never buy a car without checking what the insurance costs first! Have fun! Quote Link to comment Share on other sites More sharing options...
pimpkiller Posted October 20, 2012 Report Share Posted October 20, 2012 totally agree, i found the corsa/feista/clio/ka to be especially expensive cars because thats what all the kids crash. go on the direct-line website stick all the details in then after you can just keep changing the car to different ones and see the new premium then work it out from there. value of car/insurance group rarely reflects on the premium quite the opposite Quote Link to comment Share on other sites More sharing options...
Rupert Posted October 20, 2012 Report Share Posted October 20, 2012 When will someone step in from a governing body and put a stop to the silly prices kids are expected to pay for insurance an first homes - talk about forcing our future out of the country! Regards, Gixer While i agree insurance costs are high and house prices are astronomica, how do you propose this should happen or be funded? Quote Link to comment Share on other sites More sharing options...
Livefast123 Posted October 22, 2012 Report Share Posted October 22, 2012 Young drivers are better off trying a Mondeo, 406, and Vectra etc. I always found them cheap when I was young as they are not a normal youngsters car and TBH are cheaper to buy and safer. Quote Link to comment Share on other sites More sharing options...
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