Another "what car" ... First car?
Discussion
i dont know what sort of quotes your getting but i couldnt get anything below 2grand ended up getting a 1.1 saxo but with it being group 4 maybe try get some in group 1or2 as old light and slow with as few seets as possible. unless your rich, but i think you will struggle to get something rwd for a first car
Im afraid you havent been informed well about the MX5 for learners 
Insurance is the biggest pain for leaners now (I passed last september), and getting a 'normal' car insured is a big cost. I 've had quotes in the region of £9000 for me on my 998cc micra.
My advice would be:
Get a car with as little engine as possible - under 1.4 - the lower the better.
Dont go for Third party. The insurance company will know that you are after the most basic policy so go for Third Party Fire and Theft instead or Fully Comp.
Stick your parents on the policy and have them as a main driver and you as the named driver.
Limit your miles to something low
Check out some specialist young driver websites, sometimes you may get a cheap quote but only if they will fit a black box to your car, meaning they will monitor your driving, they may also limit the hours you can drive too.
CALL the insurance company, they may say theydont insure under 25's on their webpage, but talk to them and you may be pleasantly surprised.
As it turns out with a bit of investigating I found out that Kit Car insurance and classic car insurance can be significantly lower than 'ordinary car' insurance
If you want to have something interesting, something a bit more sporty as a learner and fully lisenced driver, I would suggest talking to these guys: http://younggunsclassics.forumcircle.com/
I posted a similar thread to yours about insurance for an 18yr old. They came back to me saying their premiums are a lot lower as its a classic and also being part of a club gives you a fairly dhunky discount, I recall one member paying under £1000 on a Triumph spitfire 1500. He is part of a Triumph car club giving him a discount.
Be aware when your insurance comes to renewal for the first time after you have passed your premium is likely to be higher than it was when you were learning so dont be surprised.
Good luck, hope you can find a nice car to learn in, probably not the Porsche though (my dad didnt let me learn on his
) and keep us posted
Phil
Insurance is the biggest pain for leaners now (I passed last september), and getting a 'normal' car insured is a big cost. I 've had quotes in the region of £9000 for me on my 998cc micra.
My advice would be:
Get a car with as little engine as possible - under 1.4 - the lower the better.
Dont go for Third party. The insurance company will know that you are after the most basic policy so go for Third Party Fire and Theft instead or Fully Comp.
Stick your parents on the policy and have them as a main driver and you as the named driver.
Limit your miles to something low
Check out some specialist young driver websites, sometimes you may get a cheap quote but only if they will fit a black box to your car, meaning they will monitor your driving, they may also limit the hours you can drive too.
CALL the insurance company, they may say theydont insure under 25's on their webpage, but talk to them and you may be pleasantly surprised.
As it turns out with a bit of investigating I found out that Kit Car insurance and classic car insurance can be significantly lower than 'ordinary car' insurance
If you want to have something interesting, something a bit more sporty as a learner and fully lisenced driver, I would suggest talking to these guys: http://younggunsclassics.forumcircle.com/
I posted a similar thread to yours about insurance for an 18yr old. They came back to me saying their premiums are a lot lower as its a classic and also being part of a club gives you a fairly dhunky discount, I recall one member paying under £1000 on a Triumph spitfire 1500. He is part of a Triumph car club giving him a discount.
Be aware when your insurance comes to renewal for the first time after you have passed your premium is likely to be higher than it was when you were learning so dont be surprised.
Good luck, hope you can find a nice car to learn in, probably not the Porsche though (my dad didnt let me learn on his
) and keep us posted Phil
I wouldn't recommend being a named driver on a parent's policy, this is called fronting, which is illegal and gives the insurer another excuse not to pay out in the event of a smash. It is cheaper putting your folks on as named drivers than having just yourself on there, but only by about £100.
DanB7290 said:
I wouldn't recommend being a named driver on a parent's policy, this is called fronting, which is illegal and gives the insurer another excuse not to pay out in the event of a smash. It is cheaper putting your folks on as named drivers than having just yourself on there, but only by about £100.
I must have mixed my facts up on my post, we didnt front the insurance company 911p said:
Dalto123 said:
Stuff
Cheers Phil, how old does the car have to be to be considered a classic?cheesyblob said:
To get classic insurance, 25 years old normally. Try specialist insurers such as Adrian Flux, Footman James and Peter James and call them, as they are unlikely to give you a quote online.
A lot of classic policys do not accrue a no claims discount, check for this if you look at one.The only way to give yourself a real chance of getting insurance under £1,500 would be to pick a car that not many young, first time drivers would drive.
Saxo, 106, Fiesta etc... are cars that will have been bought and crashed alot more often than say a Kia Picanto. That obviously means the cars are viewed in a higher risk catergory.
Someone I know bought a Perodua as their first car and his first year was under a grand (he was just turned 20)...
Look at rare and classic cars and you should be onto a winner!
Saxo, 106, Fiesta etc... are cars that will have been bought and crashed alot more often than say a Kia Picanto. That obviously means the cars are viewed in a higher risk catergory.
Someone I know bought a Perodua as their first car and his first year was under a grand (he was just turned 20)...
Look at rare and classic cars and you should be onto a winner!
If you can afford it, a Panda 100HP is only group 5 ins. They look alright, are honestly very good to drive, frugal, have quite a natty / well equipped interior (BT stereo, aircon, sports seats etc), plus they even sound pretty good.
If I were in the market for a first car and was looking for something reasonably nice, then I would be looking here.
If I were in the market for a first car and was looking for something reasonably nice, then I would be looking here.
sawman said:
cheesyblob said:
To get classic insurance, 25 years old normally. Try specialist insurers such as Adrian Flux, Footman James and Peter James and call them, as they are unlikely to give you a quote online.
A lot of classic policys do not accrue a no claims discount, check for this if you look at one.Dalto123 said:
If you want to have something interesting, something a bit more sporty as a learner and fully lisenced driver, I would suggest talking to these guys: http://younggunsclassics.forumcircle.com/
I posted a similar thread to yours about insurance for an 18yr old. They came back to me saying their premiums are a lot lower as its a classic and also being part of a club gives you a fairly dhunky discount, I recall one member paying under £1000 on a Triumph spitfire 1500. He is part of a Triumph car club giving him a discount.
Yep; Young Guns is very good! I posted a similar thread to yours about insurance for an 18yr old. They came back to me saying their premiums are a lot lower as its a classic and also being part of a club gives you a fairly dhunky discount, I recall one member paying under £1000 on a Triumph spitfire 1500. He is part of a Triumph car club giving him a discount.
And I'm 17; and 3rd party F&T insurance on my '77 Spitfire 1500 is £951 a year; it's garaged; not agreed value; limited milage; and I'm a TSSC member; and they fight rather hard to get young members a rather sizable discount!
Aaron
eltax91 said:
sawman said:
cheesyblob said:
To get classic insurance, 25 years old normally. Try specialist insurers such as Adrian Flux, Footman James and Peter James and call them, as they are unlikely to give you a quote online.
A lot of classic policys do not accrue a no claims discount, check for this if you look at one.cheesyblob said:
911p said:
Dalto123 said:
Stuff
Cheers Phil, how old does the car have to be to be considered a classic?Aar0sc said:
And I'm 17; and 3rd party F&T insurance on my '77 Spitfire 1500 is £951 a year; it's garaged; not agreed value; limited milage; and I'm a TSSC member; and they fight rather hard to get young members a rather sizable discount!
Aaron
Not too shabby: I had a '69 Mk 3 Spit when I was 18 (a loooong time ago) - it used to cost me £36 a month TPF&T - but my take-home pay (in banking!) was £150 a month... so equivalent I guess to paying £250 or so a month now? I have no idea what teens get paid, we're all old farts in our company.Aaron
Back then the Spit wasn't a 'classic', just an old car, but even then the loading was clear: the 1000cc Mini I had before the Triumph cost me £100 a year.
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