Son Passed Test - Car Suggestions - Insurance Related
Discussion
Afternoon ...
Son passed car driving test today. Well done.
He already has a full unrestricted bike licence and two bikes. He has 3 years NCD on one bike (600 sports 2006) and another policy on another bike (less than a year)
I'm looking around at car options, and I do not see any that take into account his bike experience.
From a few searches I've done, the usual 1.4 and 1.6 Focus/Golf/Clio/Ibiza are all coming in at about 1700 3rd party with 5k a year miles on a car about 1k value.
He has no intention of using the car unless the weather dictates, and only for getting to work .. in fact he has no interest in driving cars at all. It's only for commuting when a bike would be dangerous (no suitable bus route either)
So is the 1700 quid the norm ? Does anyone know of any cars (suitable for 6ft2) that may come in under this price ?
He's nearly 20
Cheers
Arf
Son passed car driving test today. Well done.
He already has a full unrestricted bike licence and two bikes. He has 3 years NCD on one bike (600 sports 2006) and another policy on another bike (less than a year)
I'm looking around at car options, and I do not see any that take into account his bike experience.
From a few searches I've done, the usual 1.4 and 1.6 Focus/Golf/Clio/Ibiza are all coming in at about 1700 3rd party with 5k a year miles on a car about 1k value.
He has no intention of using the car unless the weather dictates, and only for getting to work .. in fact he has no interest in driving cars at all. It's only for commuting when a bike would be dangerous (no suitable bus route either)
So is the 1700 quid the norm ? Does anyone know of any cars (suitable for 6ft2) that may come in under this price ?
He's nearly 20
Cheers
Arf
Edited by arfur on Tuesday 23 September 12:32
My first car was back in 2011 now. Couldn't even pick up a £1k car due to the scrappage scheme ruining that adding more pounds.
On 1.2 Corsa, mine was £1,600 Fully Comp, 10k a year. That was the absolute cheapest I could find anywhere - that was with Liverpool Victoria. Amazingly my friends were paying double, if not more (clearly more money than sense).
You should be able to get the bikes insurance carried over somehow; or mirror the NCD or something like that. Have you tried speaking to his bike insurance company in the first instance?
On 1.2 Corsa, mine was £1,600 Fully Comp, 10k a year. That was the absolute cheapest I could find anywhere - that was with Liverpool Victoria. Amazingly my friends were paying double, if not more (clearly more money than sense).
You should be able to get the bikes insurance carried over somehow; or mirror the NCD or something like that. Have you tried speaking to his bike insurance company in the first instance?
As it'll only be used in bad weather why not got for a 4x4. You might be surprised at certain vehicles that will be cheaper to insure as they're not popular for youngsters.
Or get one yourself, use it for some of your commutes and have him as a named driver for the few days he needs it. As long as you use it more than him I can't see that being an issue for him being a named driver.
Or get one yourself, use it for some of your commutes and have him as a named driver for the few days he needs it. As long as you use it more than him I can't see that being an issue for him being a named driver.
Steve_F said:
As it'll only be used in bad weather why not got for a 4x4. You might be surprised at certain vehicles that will be cheaper to insure as they're not popular for youngsters.
Or get one yourself, use it for some of your commutes and have him as a named driver for the few days he needs it. As long as you use it more than him I can't see that being an issue for him being a named driver.
Tried a Disco TD on a S plate as a test ... came out over 4kOr get one yourself, use it for some of your commutes and have him as a named driver for the few days he needs it. As long as you use it more than him I can't see that being an issue for him being a named driver.
As a named driver on my Audi it's 7k and on the Fiat 500 (Abarth) it's 3k
Get a VW lupo, either petrol or diesel, 1.2/1.4 or something similar. £1000, dirt cheap to insure and run.
I, like your son commute on bike and only use car when it's icy/snowy in winter.
It dosnt really matter what car it is, it's just a roof and 4 wheels that's appreciated, I'm 24 years old.
In terms of performance, there is nothing compared to a bike that's remotely insurable so just get the cheapest thing to run possible IMHO
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I, like your son commute on bike and only use car when it's icy/snowy in winter.
It dosnt really matter what car it is, it's just a roof and 4 wheels that's appreciated, I'm 24 years old.
In terms of performance, there is nothing compared to a bike that's remotely insurable so just get the cheapest thing to run possible IMHO
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One thing to bare in mind is that getting a pov-spec model of the same car can be a lot cheaper than even a mid-range trim level. I can't remember the exact figures, but when I was 17 for me to switch my Astra Merit to an 'Expression' with the same engine would have added many many hundreds, the difference between the gf's Fiesta Ghia and an L was even more silly. What might only cost an extra £50 to somebody paying £250 gets scaled up.
Surprised no one has come on here yet with the usual "classic car policy/old Volvo/5 litre Jag" suggestions which normally fill these young driver threads.
Which is good because those suggestions always almost turn out to be ancedotal and no one can back up their claims that this will reduce the premiums to thirty shillings per year.
I can say that when doing some quotes recently for my stepson in a similar position that the old style Ford Ka came out cheapest of the cars I tried. This is down to cheap replacement parts apparently but whether that is useful for a 6'2 lad is another question!
OP - make sure you come back on here and let us know which cars came out cheapest on the price comparison sites.
Which is good because those suggestions always almost turn out to be ancedotal and no one can back up their claims that this will reduce the premiums to thirty shillings per year.
I can say that when doing some quotes recently for my stepson in a similar position that the old style Ford Ka came out cheapest of the cars I tried. This is down to cheap replacement parts apparently but whether that is useful for a 6'2 lad is another question!
OP - make sure you come back on here and let us know which cars came out cheapest on the price comparison sites.
Older style Fiat Panda. One of the utter base spec 1.1 ("Active Eco" I think) they were churning out for under 5 grand at one point. Should be thousands around. Loads of space for "taller" people.
Would possibly suggest a 4x4 version if absolute unstoppability on roads is important but I don't know what their insurance is like.
Would possibly suggest a 4x4 version if absolute unstoppability on roads is important but I don't know what their insurance is like.
Edited by bobfett on Tuesday 23 September 13:28
A mk3 petrol Panda 4x4 on winter tyres should be pretty much unstoppable in any kind of weather the UK can throw at it and cheap enough to buy (the diesel 4x4s are really expensive). It's also very slow and usually driven by old people, so I can't see the insurance being prohibitively expensive.
Standard response I know, but MX-5?
My girlfriend is 20 and learning at the moment. We're looking at buying her a car and as bit of a joke (thinking I could borrow it for the weekends) I checked out the insurance costs on a MX-5, for her as a learner and then her having recently passed her test.
It came out at around £650, versus £1k + for the usual "first car" suspects...
My girlfriend is 20 and learning at the moment. We're looking at buying her a car and as bit of a joke (thinking I could borrow it for the weekends) I checked out the insurance costs on a MX-5, for her as a learner and then her having recently passed her test.
It came out at around £650, versus £1k + for the usual "first car" suspects...
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