What car for a teenager? Pug' "just add fuel?" on a 108?
Discussion
Muddle238 said:
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.
You're forgetting the bork factor of a £1500 car vs warranty. Also servicing costs, but granted that should be teeny on a little shopping car.£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.
Muddle238 said:
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.
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.
QuartzDad said:
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.
Thank you! "Black box" I'm assuming is having a telematics thingummiebob installed?It's definately an easy way to get into driving. Who wouldn't want a brand new car with three years warranty? Whether it gets pronged or not is down to your son, if he's a careful driver it's less likely that he'll hit anything.
I would've got one myself (I'm 17, soon to be 18) but chose a 1.0 Ecoboost Focus instead. I passed my test 7 months ago and haven't had any scrapes (yet!)
I would've got one myself (I'm 17, soon to be 18) but chose a 1.0 Ecoboost Focus instead. I passed my test 7 months ago and haven't had any scrapes (yet!)
Edited by ChrisR99 on Thursday 30th March 15:31
This is quite tough. I don't have kids, but I work with a youngster that just passed his test. He's gone back and forth on these plans and as far as he can work out (and he's spent a LOT of time on it) the "Just add fuel" is very attractive, but financially just not worth it beyond year one.
However, he also doesn't want a £500 car and then having to spend £2500 on insurance (I can see why) when it might not be reliable.
So, he's given up for the foreseeable and gone with public transport - that's how demoralising the whole thing is.
Personally, a warranted car sounds great, but I learnt a lot from my first car. I didn't bang it, but it taught me a lot - and I'd rather the cheap/cheerful route than a new car that might get smashed up (as per other posters). Being a new driver looks terrifying!
However, he also doesn't want a £500 car and then having to spend £2500 on insurance (I can see why) when it might not be reliable.
So, he's given up for the foreseeable and gone with public transport - that's how demoralising the whole thing is.
Personally, a warranted car sounds great, but I learnt a lot from my first car. I didn't bang it, but it taught me a lot - and I'd rather the cheap/cheerful route than a new car that might get smashed up (as per other posters). Being a new driver looks terrifying!
Muddle238 said:
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.
Good shout, £3000 107 "Urban" whatever that is.. (I'm not looking past the price at the moment, sod spec)... £917 cheapest quote to insure.All comes down to whether the f
king thing works of course, if it doesn't break it'll be a money saver for sure come year two.
ILoveMondeo said:
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.
I was able to get insurance on a 2002 VW Golf 1.6SE for £1,050 for the first year after my son passed his test. This was with Hastings SmartMiles. 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.
Now he has one year's no claims bonus I can get insurance for about £950 without a black box. The Smartmiles renewal is only £510.
I would like to avoid the black box but that sort of saving is rather tempting.
I'm not keen on the Golf as it has a few expensive things go wrong with the central locking, but I think it is good to have a car that it does not matter if it gathers a few minor bumps/scratches.
Edited by wibblebrain on Thursday 30th March 15:36
Afternoon....
Going by your Moniker, how about an old MK3 Mondeo? Petrol, Duratec engine, pretty reliable and easy to get parts for. Cheap too.
Granted, not the most youthful of vehicles, I had one when I got my first car in 09; it had the advantage of it already being pre-dinged down the right rear door, where a Land Rover went into it. Loads of space, climate and a CD player, the facelift has an aux to plug in your phone to spotify. Insurance was about £1800 compared to about £3000 for a fiesta etc around then. As sad as it sounds now, it was much quicker than all my mates various fiestas and such at the time. A mighty 130bhp or something.
OK to service and repair, lots of space to work around and, being an old Ford, there'll be something to fix.
Not a bad thing to drive and got about 44mpg on a motorway journey out of it. Lots of heaps about, but there's got to be one reasonable one left!
Sold mine to my ex's mother in 2013, who promptly destroyed it by being an imbecile.
Seconded whoever mentioned about running a ste old car being a rite of passage. There was probably no massively redeeming feature on that car and is the most common thing you can imagine, but I have great memories with it!
Going by your Moniker, how about an old MK3 Mondeo? Petrol, Duratec engine, pretty reliable and easy to get parts for. Cheap too.
Granted, not the most youthful of vehicles, I had one when I got my first car in 09; it had the advantage of it already being pre-dinged down the right rear door, where a Land Rover went into it. Loads of space, climate and a CD player, the facelift has an aux to plug in your phone to spotify. Insurance was about £1800 compared to about £3000 for a fiesta etc around then. As sad as it sounds now, it was much quicker than all my mates various fiestas and such at the time. A mighty 130bhp or something.
OK to service and repair, lots of space to work around and, being an old Ford, there'll be something to fix.
Not a bad thing to drive and got about 44mpg on a motorway journey out of it. Lots of heaps about, but there's got to be one reasonable one left!
Sold mine to my ex's mother in 2013, who promptly destroyed it by being an imbecile.
Seconded whoever mentioned about running a s
te old car being a rite of passage. There was probably no massively redeeming feature on that car and is the most common thing you can imagine, but I have great memories with it!wibblebrain said:
I was able to get insurance on a 2002 VW Golf 1.6SE for £1,050 for the first year after my son passed his test.
I'm not keen on the Golf as it has a few expensive things go wrong with the central locking, but I think it is good to have a car that it does not matter if it gathers a few minor bumps/scratches.
Sorry to ask but has the gearbox blown up yet? I'm not keen on the Golf as it has a few expensive things go wrong with the central locking, but I think it is good to have a car that it does not matter if it gathers a few minor bumps/scratches.
Just Ad Fuel Additional Terms and Conditions.Minimum age 21, 25 or 30 on selected models, maximum age 75. Policyholder must have a minimum of 2 years NCD to use on the vehicle. All drivers must meet eligibility criteria including minimum 2 years’ full UK licence (non-telematics contracts only)
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.
I must be missing something here - who cares how much it costs (although £7-800 sounds low for the work described)? Surely Peugeot's insurance will pick up the bill.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.
They were a bit older, but both my girls had new cars when they finished uni - didn't have any issues with them being careless although both cars did pick up a remarkable amount of car park door dings in the 5 years we kept them.
ILoveMondeo said:
Thank you! "Black box" I'm assuming is having a telematics thingummiebob installed?
Yep, plus an 8000 mile per annum limit - you can pay more if required. Due to various admin cockups the thingummiebob didn't get installed for a month so he had a month of 'free' miles and unmonitored driving.Having the thingummiebob there is good IMO, he drives much more sensibly than I did at 17 as he knows he's being 'watched'.
ILoveMondeo said:
Jesus said:
Run an insurance quote on something like an old n/a petrol Forester.
Can't imagine it'd break the bank, and it's a solid car.
Really nice idea! Very different and a decent car!Can't imagine it'd break the bank, and it's a solid car.
Unfortunately £2500 was cheapest quote, so not much different to anything else I've looked at.
gkw90 said:
Afternoon....
Going by your Moniker, how about an old MK3 Mondeo? Petrol, Duratec engine, pretty reliable and easy to get parts for. Cheap too.
OK to service and repair, lots of space to work around and, being an old Ford, there'll be something to fix.
Not a bad thing to drive and got about 44mpg on a motorway journey out of it.
I drive one as a work hack. Great car. 44mpg from a 1.8 petrol? No chance. Mine does high 30s on a run, maybe 40, 30 around town. 44mpg if doing a constant 50 up the M1 restricted bit, maybe.Going by your Moniker, how about an old MK3 Mondeo? Petrol, Duratec engine, pretty reliable and easy to get parts for. Cheap too.
OK to service and repair, lots of space to work around and, being an old Ford, there'll be something to fix.
Not a bad thing to drive and got about 44mpg on a motorway journey out of it.
They are good to drive, surprisingly, and last well. They don't break down, mine is 2.5 years in and has gone from being a neglected 90k mile version to a decent 130k mile example. Needed routine stuff last MoT, handbrake, broken spring, suspension strut bearing. Nothing serious. Easy to service as DIY or indy. Everyone can mend them.
Why isn't the kid buying his own car give him some responsibility in life and lessons of value of money. Yes help him out but he will treat the car a lot better if he has to use his own money to pay for it. Yes its expensive it was expensive for me 7 years ago but I found treated my first car better than friends whos parents bought there's. Also they all crashed or at least had one bump which caused damage while I still yet to damage any of my own cars to this day.
Driving is a privilage not a right he will appreciate it in the long run.
Driving is a privilage not a right he will appreciate it in the long run.
I recall Citroen offering a similar thing in the late 90s. There was a catch as after the insurance deal ran out even the drivers with no accidents or claims couldn't produce evidence for a no claims bonus later on. The reason was that all drivers were on a single huge policy and one claim affected everybody. It may be different but worth checking.
Gassing Station | Car Buying | Top of Page | What's New | My Stuff