A sad day for me.
Discussion
As of tomorrow, I will no longer be the proud owner of the third best hot hatch ever made. The Clio is leaving, to be replaced by a Volvo V50 2.0 D estate.
It bums me out that I have basically been forced in to this decision by total bollwhocks. Price of insurance, price of fuel, price of road fund licence. I've been punished in to abandoning my passion by what is essentially a pack of lies.
Now, I apologise, because all of this has been covered ad nauseum on PH, but I'm upset. So please humour me!
The reasons for the Clio going:
Insurance - I've made one no-fault claim IN MY LIFE, but because I haven't had a car insured constantly for the whole time I've been driving I don't get any benefit. Records will show I've never crashed a car, but I don't have a 'no claims bonus' so I can't benefit.
Then there's the price in general - Admiral reckon that insuring the Volvo will cost me more than insuring the Clio. Chaucer say it will cost half as much. When I insured my bike, it was £30 less (on a £200 policy!) to start the insurance on a Friday instead of a Saturday. When I renewed my Clio policy, my monthly payments dropped by £20, and then a further £30 for NO APPARENT REASON. How is this not fraud? They jus pick numbers at random.
Fuel, well - we all know about fuel. It goes up when the price of oil goes up, and er.. does nothing when it goes down again. Fraud.
Road tax based on CO2? PUR-LEASE! I did a test in my previous life driving an S-MAX with UBER TELEMETRY on it and halved the CO2 emission by changing the way I drove. Again, fraud.
Fortunately, I have a motorbike now, so that will be where I'll get my speed hit. It's cheaper to run, you can go faster more of the time (no getting held up) and, while I'll always want a GT3 RS 4.0, I'll never afford one. Ducati though? Probably be on one this time next year. I've also done two trackdays and all brakes and tyres are still in very fine fettle. I crashed and the bike still runs, cosmetic damage was repaired with less than £100.
I guess that makes me a 'biker' now, which is a bummer. But I'll always love cars.
Oh, and I WILL own another Clio 182. Maybe a Trophy next time. Can't wait.
It bums me out that I have basically been forced in to this decision by total bollwhocks. Price of insurance, price of fuel, price of road fund licence. I've been punished in to abandoning my passion by what is essentially a pack of lies.
Now, I apologise, because all of this has been covered ad nauseum on PH, but I'm upset. So please humour me!
The reasons for the Clio going:
Insurance - I've made one no-fault claim IN MY LIFE, but because I haven't had a car insured constantly for the whole time I've been driving I don't get any benefit. Records will show I've never crashed a car, but I don't have a 'no claims bonus' so I can't benefit.
Then there's the price in general - Admiral reckon that insuring the Volvo will cost me more than insuring the Clio. Chaucer say it will cost half as much. When I insured my bike, it was £30 less (on a £200 policy!) to start the insurance on a Friday instead of a Saturday. When I renewed my Clio policy, my monthly payments dropped by £20, and then a further £30 for NO APPARENT REASON. How is this not fraud? They jus pick numbers at random.
Fuel, well - we all know about fuel. It goes up when the price of oil goes up, and er.. does nothing when it goes down again. Fraud.
Road tax based on CO2? PUR-LEASE! I did a test in my previous life driving an S-MAX with UBER TELEMETRY on it and halved the CO2 emission by changing the way I drove. Again, fraud.
Fortunately, I have a motorbike now, so that will be where I'll get my speed hit. It's cheaper to run, you can go faster more of the time (no getting held up) and, while I'll always want a GT3 RS 4.0, I'll never afford one. Ducati though? Probably be on one this time next year. I've also done two trackdays and all brakes and tyres are still in very fine fettle. I crashed and the bike still runs, cosmetic damage was repaired with less than £100.
I guess that makes me a 'biker' now, which is a bummer. But I'll always love cars.
Oh, and I WILL own another Clio 182. Maybe a Trophy next time. Can't wait.
RobCrezz said:
Eh? Is a Clio really that expensive to run? Are you really going to save much by running the Volvo?
This. Isn't there some silly maths that people fall foul to, in buying a newer, cheaper, economical car, that ends up costing so much more up front, depreciation etc, that it doesn't end up being cheaper when worked out over the time frame you keep it?Also, a trophy can't be that expensive to run? Unless it's living up to it's French reputation and braking all the time?
Also, 3rd best hatch ever? Says who? Bit subjective really...
I sold a Celica 190 for 2700 and bought a Focus Diesel for 3500 to 'save money'...
The Focus costs circa 60% what it cost to insure the Celica
The Focus has half the road tax price
The Focus does 15/18mpg more than the Celica did
It's also newer. I could've bought an older car to save money up-front, but I still want the car I drive everyday to be nice, so I upped my budget.
It does make sense. Maintenance, fuel, insurance and tax were costing me (on average) £500 a month with the Toyota. The Focus? Around £325 average. Biiiiig difference.
The Focus costs circa 60% what it cost to insure the Celica
The Focus has half the road tax price
The Focus does 15/18mpg more than the Celica did
It's also newer. I could've bought an older car to save money up-front, but I still want the car I drive everyday to be nice, so I upped my budget.
It does make sense. Maintenance, fuel, insurance and tax were costing me (on average) £500 a month with the Toyota. The Focus? Around £325 average. Biiiiig difference.
MrKipling43 said:
Insurance - I've made one no-fault claim IN MY LIFE, but because I haven't had a car insured constantly for the whole time I've been driving I don't get any benefit. Records will show I've never crashed a car, but I don't have a 'no claims bonus' so I can't benefit.
How have you managed this?C.A.R. said:
I sold a Celica 190 for 2700 and bought a Focus Diesel for 3500 to 'save money'...
The Focus costs circa 60% what it cost to insure the Celica
The Focus has half the road tax price
The Focus does 15/18mpg more than the Celica did
It's also newer. I could've bought an older car to save money up-front, but I still want the car I drive everyday to be nice, so I upped my budget.
It does make sense. Maintenance, fuel, insurance and tax were costing me (on average) £500 a month with the Toyota. The Focus? Around £325 average. Biiiiig difference.
That works because you're still buying a cheap car. The cheapest V50 diesel I can find in the classifieds is £6500, so that's what, £2-3k more than the Clio? The Focus costs circa 60% what it cost to insure the Celica
The Focus has half the road tax price
The Focus does 15/18mpg more than the Celica did
It's also newer. I could've bought an older car to save money up-front, but I still want the car I drive everyday to be nice, so I upped my budget.
It does make sense. Maintenance, fuel, insurance and tax were costing me (on average) £500 a month with the Toyota. The Focus? Around £325 average. Biiiiig difference.
That's a lot of fuel used before the 'savings' make sense. Combine that then with more expensive consumables on the Volvo and that's more money not being saved.
MrKipling43 said:
When I renewed my Clio policy, my monthly payments dropped by £20, and then a further £30 for NO APPARENT REASON. How is this not fraud?
Look up fraud. Honestly, it's not this (unless every retailer of almost every commodity commits fraud simply by pricing to the market!).bicycleshorts said:
MrKipling43 said:
Insurance - I've made one no-fault claim IN MY LIFE, but because I haven't had a car insured constantly for the whole time I've been driving I don't get any benefit. Records will show I've never crashed a car, but I don't have a 'no claims bonus' so I can't benefit.
How have you managed this?Ari said:
bicycleshorts said:
MrKipling43 said:
Insurance - I've made one no-fault claim IN MY LIFE, but because I haven't had a car insured constantly for the whole time I've been driving I don't get any benefit. Records will show I've never crashed a car, but I don't have a 'no claims bonus' so I can't benefit.
How have you managed this?bigandclever said:
Ari said:
bicycleshorts said:
MrKipling43 said:
Insurance - I've made one no-fault claim IN MY LIFE, but because I haven't had a car insured constantly for the whole time I've been driving I don't get any benefit. Records will show I've never crashed a car, but I don't have a 'no claims bonus' so I can't benefit.
How have you managed this?I chopped in my Renault Laguna - probably the worst car ever built after the Austin Metro - for a 3 litre Jaguar.
The Jag is cheaper to insure than the Renault & as most of the parts are from the Mondeo it will probably be cheaper to maintain than the Laguna.
Fuel consumption? Past giving a monkeys about that to be honest. I can just about manage 18mpg around town & on a recent long run to Devon & back I racked up a hugely unimpressive 15mpg.
Do I care? No. Because it has got a big fat exhaust system fitted & it sounds great through tunnels!!!
As for the OP. I think it's a wind up posting.
A Clio swapped for a Volvo? Mmmmmm. Don't think that running costs will be that much different.
The Jag is cheaper to insure than the Renault & as most of the parts are from the Mondeo it will probably be cheaper to maintain than the Laguna.
Fuel consumption? Past giving a monkeys about that to be honest. I can just about manage 18mpg around town & on a recent long run to Devon & back I racked up a hugely unimpressive 15mpg.
Do I care? No. Because it has got a big fat exhaust system fitted & it sounds great through tunnels!!!
As for the OP. I think it's a wind up posting.
A Clio swapped for a Volvo? Mmmmmm. Don't think that running costs will be that much different.
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