What car for a teenager? Pug' "just add fuel?" on a 108?
Discussion
Good Morning,
I'm trying to work out what car to buy for my 17 year old (soon to be 18)..
Quite frankly it seems insurance is going to be the deciding factor rather than anything else. £2-3000+ seems the norm. I've found "grannie" cars, like a corolla or Jazz much cheaper than Corsas and Fiestas and Polos. (less kids have 'em, so less kids crash 'em, or something like that?), Still around £2k though.
Which led to me this "just add fuel" scheme, are there others that do it other than Pug?
A 108 is a £1500-ish deposit and £250 a month, including insurance for an 18+ kiddly-wink. Seems like a good deal, as if I bought something older for a couple of grand I'd still be paying near enough the same a month on insurance alone. Add to that a warranty and servicing is included, it seems a pretty good deal. I guess they have their own underwriting stuff going on. At best it would be "marginally" cheaper to buy something cheap and insure it, and maintain it over 3 years, and I wouldn't imagine it would be worth a whole lot more or less after 3 years.
Unless you can get insurance for an 18 year old on a fresh licence for a lot less via a specialist, but from what I've read £2000+ is very very normal.
I would never be considering a new car for him if it weren't for this all inclusive "deal" ... where's the catch?
Do any other manufacturers offer similar,? couldn't see much from googling around, best I found was first year insurance "free", but will still have a mega bill the subsequent two years, so no point really.
Cheers
Dave
I'm trying to work out what car to buy for my 17 year old (soon to be 18)..
Quite frankly it seems insurance is going to be the deciding factor rather than anything else. £2-3000+ seems the norm. I've found "grannie" cars, like a corolla or Jazz much cheaper than Corsas and Fiestas and Polos. (less kids have 'em, so less kids crash 'em, or something like that?), Still around £2k though.
Which led to me this "just add fuel" scheme, are there others that do it other than Pug?
A 108 is a £1500-ish deposit and £250 a month, including insurance for an 18+ kiddly-wink. Seems like a good deal, as if I bought something older for a couple of grand I'd still be paying near enough the same a month on insurance alone. Add to that a warranty and servicing is included, it seems a pretty good deal. I guess they have their own underwriting stuff going on. At best it would be "marginally" cheaper to buy something cheap and insure it, and maintain it over 3 years, and I wouldn't imagine it would be worth a whole lot more or less after 3 years.
Unless you can get insurance for an 18 year old on a fresh licence for a lot less via a specialist, but from what I've read £2000+ is very very normal.
I would never be considering a new car for him if it weren't for this all inclusive "deal" ... where's the catch?
Do any other manufacturers offer similar,? couldn't see much from googling around, best I found was first year insurance "free", but will still have a mega bill the subsequent two years, so no point really.
Cheers
Dave
yeah, I'm guessing I'll have chips away on speed dial! 
Will have to make it vaguely tidy for when it goes back.
Good point about reducing insurance in yr 2 and 3, I'll run some permutations making him one and two years older on the websites and see what difference it would make. I'm not optimistic though!
Forgot to add, you have to have a telematics ?? box installed, so sensible driving only. Not a terrible thing if I think back to how I drove when I had just passed.
Will have to make it vaguely tidy for when it goes back. Good point about reducing insurance in yr 2 and 3, I'll run some permutations making him one and two years older on the websites and see what difference it would make. I'm not optimistic though!
Forgot to add, you have to have a telematics ?? box installed, so sensible driving only. Not a terrible thing if I think back to how I drove when I had just passed.
QuartzDad said:
I was in a similar boat last year but was able to get the insurance down to around £110/month, he paid £1800 for a 10yo 207 and everyone's happy. Plus I've only ever bought/leased one new car for myself in 30 years of driving, number 2 is not going to be for someone else
That's understandable, who was the insurance with if you don't mind me asking?I'd rather get a snotter, at least for a year or two. if I can get the insurance down to £1200-£1500 a year that's more feasible.
Just Add Fuel as far as I can work out is Peugeot's own stamp on car financing. There's a massive thread running somewhere in GG at the moment discussing whether the wheels are about to fall off car finance, worth a read.
£250 a month is the same as £3000 a year, combined with the initial deposit you'd be looking at paying £4500 for the first year, with further costs of £3000 every year after. You're better off buying an older £1000-£1500 car outright (see 107/C1/Aygo between 2005-2012), which leaves you with insurance costs as high as £3500 a year before the Just Add Fuel thing starts to work out cheaper.
I'd be surprised if you can't insure your son on an early 107 for less than £1500 in his first year of driving. Also the bonus of having an older car is when the inevitable knocks and scrapes occur or worse God forbid, you won't have Peugeot chasing after you and your son will have his own car, not one borrowed from Peugeot.
Find an early 107/C1/Aygo on Autotrader for around £1500, plug the reg into an insurance price comparison site and see what you can find. Add Mum & Dad as named drivers, this helps alot (not fronting as your son should be the policy holder), limit the mileage. I wouldn't recommend going for one of the tracker-box insurances, I haven't heard good things about those.
£250 a month is the same as £3000 a year, combined with the initial deposit you'd be looking at paying £4500 for the first year, with further costs of £3000 every year after. You're better off buying an older £1000-£1500 car outright (see 107/C1/Aygo between 2005-2012), which leaves you with insurance costs as high as £3500 a year before the Just Add Fuel thing starts to work out cheaper.
I'd be surprised if you can't insure your son on an early 107 for less than £1500 in his first year of driving. Also the bonus of having an older car is when the inevitable knocks and scrapes occur or worse God forbid, you won't have Peugeot chasing after you and your son will have his own car, not one borrowed from Peugeot.
Find an early 107/C1/Aygo on Autotrader for around £1500, plug the reg into an insurance price comparison site and see what you can find. Add Mum & Dad as named drivers, this helps alot (not fronting as your son should be the policy holder), limit the mileage. I wouldn't recommend going for one of the tracker-box insurances, I haven't heard good things about those.
MOBB said:
That sort of car would be around £120 per month to lease or PCP "normally", so you would be paying around £150 or so per month on top of that for the insurance I would say?
So possibly swings and roundabouts overall?
Only if you'd buy a new car anyway, which I'd imagine most people wouldn't for a new driver?So possibly swings and roundabouts overall?
As people have said, it really depends on how much the total insurance cost for the three year period would be, which will depend massively on where you live. It might still be worth-while if you live in a really bad area.
Muddle238 said:
Also the bonus of having an older car is when the inevitable knocks and scrapes occur or worse God forbid, you won't have Peugeot chasing after you and your son will have his own car, not one borrowed from Peugeot.
I wouldn't underestimate these costs. Curbed alloys, door dings, spliff burns in the seats, high-heels puncturing the headlining, will all need fixing to a certain standard before returning the car.A brand new car for a new driver? It's a definite no from me. It's a silly idea, regardless of how much cheaper the insurance is or how good the deal might be.
My girlfriend's sister got a new 108 on the Just Add Fuel deal as her first car. She's only had it about a year and she's already regretted herself. It's been keyed on every pane right down to the metal, she's scratched it and dented it herself multiple times. It's in that fairly nice metallic purple colour and i believe she was quoted between £700-800 to have it resprayed.
Get something cheap to be destroyed for a few years until they've had enough driving experience on the road to be a bit more careful. After that, then look into getting something new or new-er.
That's just my 2p.
My girlfriend's sister got a new 108 on the Just Add Fuel deal as her first car. She's only had it about a year and she's already regretted herself. It's been keyed on every pane right down to the metal, she's scratched it and dented it herself multiple times. It's in that fairly nice metallic purple colour and i believe she was quoted between £700-800 to have it resprayed.
Get something cheap to be destroyed for a few years until they've had enough driving experience on the road to be a bit more careful. After that, then look into getting something new or new-er.
That's just my 2p.
I'm out of touch with today's yoof but even though the financing arrangements have changed (finance/lease vs cold hard cash), the car's likelihood to end up dinged and scraped hasn't. Can't you splash a few grand on a few year old Yaris/Swift/500 or something of that ilk? Whatever's cheapest on insurance... just look beyond the mainstream pap like Fiestas and Corsas.
culpz said:
A brand new car for a new driver? It's a definite no from me. It's a silly idea, regardless of how much cheaper the insurance is or how good the deal might be.
My girlfriend's sister got a new 108 on the Just Add Fuel deal as her first car. She's only had it about a year and she's already regretted herself. It's been keyed on every pane right down to the metal, she's scratched it and dented it herself multiple times. It's in that fairly nice metallic purple colour and i believe she was quoted between £700-800 to have it resprayed.
Get something cheap to be destroyed for a few years until they've had enough driving experience on the road to be a bit more careful. After that, then look into getting something new or new-er.
That's just my 2p.
Exactly this. A car is a good way to teach young people the value of goods, a worthwhile life lesson. By starting out in an older car with a few dinks, by the time they have a few years of experience under their belt and the car bodywork is showing the war wounds of those lessons, the young driver will want to "upgrade" to a nicer, newer car. Because they learnt by their mistakes in their first car, they don't want the same bodywork scars reappearing on their new car, therefore they will be more careful and take pride in their belongings. In theory anyway.My girlfriend's sister got a new 108 on the Just Add Fuel deal as her first car. She's only had it about a year and she's already regretted herself. It's been keyed on every pane right down to the metal, she's scratched it and dented it herself multiple times. It's in that fairly nice metallic purple colour and i believe she was quoted between £700-800 to have it resprayed.
Get something cheap to be destroyed for a few years until they've had enough driving experience on the road to be a bit more careful. After that, then look into getting something new or new-er.
That's just my 2p.
Getting a brand new 108 on finance isn't going to teach a young driver this lesson IMO, it'll engrain the throw-away culture that seems to be plaguing society nowadays.
there speaks the voice of experience?I wouldn't if I'm honest. Okay, so you have a warranty if it breaks, but a decent second-hand motor will be just as reliable (and easier to fix, I'd bet).
My first car, which I still have after buying it over 2 years ago, is showing some slight war-wounds from minor incidents which happened all within the first six months. They're still there and have never bothered me, whereas with a brand new car I would have had an obligation to fix it before handing it back to Peugeot. These will cost you more in the long run despite a low monthly payment, as you have to keep fixing bodywork damage.
If your son wants to feel like it is HIS car, he should get a cheap (circa £1300) car with a good service history to keep him going for 2-3 years while he bumps and scrapes the body-work and travels through those (inevitable) hairy situations we all encounter during our first few years on the road.
My first car, which I still have after buying it over 2 years ago, is showing some slight war-wounds from minor incidents which happened all within the first six months. They're still there and have never bothered me, whereas with a brand new car I would have had an obligation to fix it before handing it back to Peugeot. These will cost you more in the long run despite a low monthly payment, as you have to keep fixing bodywork damage.
If your son wants to feel like it is HIS car, he should get a cheap (circa £1300) car with a good service history to keep him going for 2-3 years while he bumps and scrapes the body-work and travels through those (inevitable) hairy situations we all encounter during our first few years on the road.
ILoveMondeo said:
That's understandable, who was the insurance with if you don't mind me asking?
Tesco Black Box, although there was one small detail I missed out.... I moved 9 years NCD from my 2nd car to this 3rd car to get the premium down to £1400. Effect on the 2nd car premium was negligible but obviously made a huge difference to the Tesco quote. I'm the policyholder, he's the main driver - he's off to Uni next year and won't be running a car so losing a potential 1 year NCD of his own isn't a big deal.Prof Prolapse said:
No reflection on your choice.
But for my son, it's a long way away, but I'd not want to deprive him of the experience of running a s
t old car.
It's part of his rite of passage to manhood I'm afraid.
I had this, reasonably new cars (or cars I didn't dare mess with) straight from the start. We messed about with my brothers Polo a bit but I got to 23 and bought an old Corsa just to scratch the itchBut for my son, it's a long way away, but I'd not want to deprive him of the experience of running a s
t old car.It's part of his rite of passage to manhood I'm afraid.
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