cheapest car to insure ever

[tomtvr]

hello just wondering if anyone knows what THE cheapest car to insure is.

i got this list from parkers.co.uk on group one cars

Citroen 2CV6 (1981-1990)
Citroen C2 (2003 on)
Fiat 126 Hatchback (1987-1992)
Fiat 126 Saloon (1977-1987)
Fiat Panda (1983-1995)
Fiat Panda (2004 on)
Fiat Seicento (1998 on)
SEAT Marbella (1988-1993)
Skoda Fabia Hatchback (2000 on)
Vauxhall Corsa Hatchback (1993-2000)
Vauxhall Corsa Hatchback (2000-2003)
Vauxhall Corsa Hatchback (2003 on)

i REALLY need some no claims bonus because i want to get a sports car before i am 25 ( btw im 19)

it has been fun blasing around in my parents powerfull mondeo for the last year or so but i need a policy of my own.

or is there a trick to building up no claims at basement prices, i read on here someone transfering a scooter no claims to a car - sounded a bit dodgy to me.

im sure most of you guys have been in my situation at one point so hopefully you can help

thanks, Tom

ps - the cheapest quote i have so far is £787 tpft on the skoda with direct line

>>> Edited by tomtvr on Wednesday 5th January 00:17

[v15ben]

Seicento, Corsa and C2 are all still expensive for us at our age.

I think the best bet is an older, less popular with thieves type car, like the Skoda or Marbella depending on what insurance quotes you can get!

[BCA]

lucky you, I cant get insured in my own name for under £1500.

[tomtvr]

insurance is so annoying, so many awsome sports cars out there for a couple of grand eg porsche 944 but cant possibly drive them because of the damn insurance!

ps thanks for the advice i have a premium for a marbella £660

then i researched what one looked like!

can a higher voluntary excess lower the premium?

[tomtvr]

update - i think theres a limit on how low insurance can go, fiat panda, fiat 126, and citroen 2cv non of them will go below £624 on direct line - still quite cheap i say

[love machine]

Classic or Kitcars. Forget sportscars.

My mate bought a bike engined Fisher Fury (0-100 8 secs). Insurance under £200

I have an absolutely stupid road legal racing mini. I thought I would have problems insuring it. £140 fully declared.

Incidentally, I'm 28 and my hack is a shitty, tired Peugoet 106 diesel. They wanted £280 to insure that.

Insurance is just a serious tax for modern mass production vehicles. Take away mass production or modern, or both and you really start saving a fortune.

I had a 3L capri which I larged around Europe and Africa in. £120 for a year with Euro recovery. You start getting into the fat old sportscar+fuel is cheaper than modern eurobox+insurance for the year.

Hot tip. Buy a TVR Vixen and phone Footman James up. Should see you all in, on the road for about £3K They stink and leak and steam up but they are the best handling TVR ever made.

I know I am over 25, but when I wasn't I used to drive classics on a budget of nothing. My first car was a lightened tuned Morris Minor with a Midget engine. It would wheelspin in 3rd. (not your average)

>> Edited by love machine on Wednesday 5th January 03:06

[love machine]

Gazboy said:

What about a diesel turbo? Would beat the shit out of all of the cars you've listed. Regarding the 944- yes, it may costa couple of grand, but new it was a 30 grand car, and costs as much as any 30 grand car to run (ie Brake discs for £250, not £25 on a Seicento)

If brake disks were £250, I would get a lathe and make them myself!

[tomtvr]

well yea of course the parts will be more and the running costs, but its a porsche non the less.

i wont rant about the chavs crashing their cars and other bad young drivers for pushing up my premiums but it is annoying - i have no intention of street racing/ showing off to my mates like they do but i get put in the same class for being young, pssh

[popov123]

Classic is the way to go...I used to run a Triumph Herald 1360 Conv. It wasnt lightening quick but looked great and was brilliant fun to drive - I think it cost about £145 fully comp when I was about 19-20...!

I was surprised that the insurance for my recently purchased P&J was damned reasonable too, under £400 fully comp with no silly excess (Carole Nash). Only problem with this policy is that I dont accrue any no claims - Nor do I lose any if the worst happens however! :fingers crossed mode:

[Dakkon]

I think Citreon 2CV's are one of the cheapest cars to insure I believe

[muley]

Have you tried VW polo 1043 c.c.?

[Ribol]

Has anyone looked at classic cars/insurance?

[tomtvr]

classic cars - dont they have to be either a second car or have a limited annual milage?

low milage wouldent be a problem because im only looking to build no claims as cheap as possible

i would like to explore that option though because there is no tax on cars of a certain vintage (or so i have been told)

[anniesdad]

Get an old Mini and insure it TPO.

Don't drive it and build up to max NCD in 4 years for the absolute minimum cost.

I forget if you can build up a No claims discount on a classic car policy....anyone?

[dnb]

I don't think you can.

[tomtvr]

does anyone know any places offering cars for next to nothing? - you know the kind where its cheaper to sell it for a tenner than follow the new EU laws regarding scrapping cars?

[chippy69]

I had a Fiat Panda 1000S when I was 17, it cost me £700 third party!!
I am now 31 and I enquired as to insurance on one as I was thinking about getting one as a runaround for London; £75!

[Bill Carr]

Get yourself a group 1 car, and get a quote from any of the Admiral group of insurers (belldirect, Admiral, elephant.co.uk etc). They offer 10 month policies, called "bonus accelerators", which basically mean you get a years no claims after 10 months. So, after 20 months, you'll have 2 years no claims, etc etc. Also, a VERY important trick with any of these companies is to add your parents to your policy as named drivers. This has the hugely beneficial effect of lowering your premium.

E.g, I'm 24, drive a MX5 1.8 (ok, it's not a TVR, but it's still moderately quick, and RWD) and with 3 years NCB I pay £380 pa. I think that's indecently good.

In terms of cars, you can get a Seicento Sporting (gp 1?) which is pretty quick for what it is, and fairly entertaining, not to mention cheap to run.

[dern]

Dakkon said:

I think Citreon 2CV's are one of the cheapest cars to insure I believe

I drove one for 3 years as my first car to build up my ncb but you'd have to be pretty keen on one to consider it these days if there's a more modern alternative.

Some new cars come with free insurance for a year but I suspect that the depreciation on the car would cost you more than an expensive insurance policy.

One thing that is worth pursuing is that I have been offered accelerator policies in the past which give you written evidence of 1 years ncb after only 10 months. Elephant do this according to their website and it's worth phoning a few brokers asking them specifically about accelerator policies as a mate got his first policy which came with the incentive of the assumption of 3 years ncb when you took the policy out making it cheaper initially and written evidence of 4 years or ncb when you finished the year (claim free) or something like that (it was a few years ago).

The only fly in the ointment is that ncb isn't the only factor as I found when I was 25 with 5 years ncb and I still couldn't get insured for anything decent because the ncb is only a percentage discount applied to an outrageous policy premium based on your age.

One approach that would be my choice would be to have a cheap to insure main car accruing ncb and use it during the week and then buy a classic or kit car to insure for pennies and get your kicks at the weekend (or spend your weekend fixing ).

Good luck,

Mark

[dern]

tomtvr said:

does anyone know any places offering cars for next to nothing? - you know the kind where its cheaper to sell it for a tenner than follow the new EU laws regarding scrapping cars?

Most scrappers are now collecting cars for free rather than charging for them simply because the worth of the car in terms of scrap steel is more than the cost of turning the tyres into flower pots due to the increase in the cost of steel because of the demand in china (or so I'm told) so it's unlikely you'll find anything like this. I've been looking for an old sierra donor for a home made car and they fetch surprisingly good money even with no mot.

Mark