Eh.. help please?

[Macleod1873]

Need help on what to get for a first car/van. Budget would realistically be sub £1,000. It's the insurance that's the killer. Anything considered.

Much appreciated

Lewis.

[traffman]

Whats your age bigman?

Anyways .....Astra van , fastest thing out there , great for chasing the neds with.

French cars used to be more gentle on insurance , 205 gti on a classic limited mileage policy?

[Crease]

i found astra vans didnt really have that much usuable load space, very long and thin

id be looking at pug partners and similar, the 1.9d goes pretty well, and has a good loadspace in the back

[Macleod1873]

traffman said:

Whats your age bigman?

Anyways .....Astra van , fastest thing out there , great for chasing the neds with.

French cars used to be more gentle on insurance , 205 gti on a classic limited mileage policy?

18 mate, i've been looking at them although when i go to get quotes they are always sky high.

My dads mate suggested getting a classic, i'll look into it. Cheers.

[TankRS]

why not look at a Ford KA van!?

Go Kart handling + lighter weight in van spec.

you'll beat most things in the 1st 2 gears as long as your quick off the mark, but pretty much screwed once you get past 30mph and into 3rd gear!

[SD1992]

traffman said:

Whats your age bigman?

Anyways .....Astra van , fastest thing out there , great for chasing the neds with.

French cars used to be more gentle on insurance , 205 gti on a classic limited mileage policy?

Just how quick are they??

OP - something unusual that is low risk will be your best bet. What about a mk2 Mondeo if you can find a good one? Remember to add both your parents on as named drivers, will help a lot on the insurance front.

[TankRS]

SD1992 said:

OP - something unusual that is low risk will be your best bet. What about a mk2 Mondeo if you can find a good one? Remember to add both your parents on as named drivers, will help a lot on the insurance front.

not stricly acurate these days, the mrs use to go that route, her dad has been driving for 30+ years and has just about as many years NCB, yet when she tried getting insurance with him as a named driver this year it increased the policy ammount on a few quotes!? bizzare to say the least.

mind you, when i renewed mine, it increased the policy amount also by trying to add voluntary excess to my policy, even more bizzare i think! no?, thanksfully i now have no excess to may instead of volunteering £250!

OP best to shop around and find those that will help reduce the cost by having parents as drivers. but avoid Direct lines 'named drivers build up their own NCB', its a bunch of bull, i got stung with it after being with them for 3 years, thinking i was getting 3 years of my own NCB, but its only valid off a new quote with them! sneaky bds!

Edited by TankRS on Thursday 15th December 21:57

[Macleod1873]

SD1992 said:

Just how quick are they??

OP - something unusual that is low risk will be your best bet. What about a mk2 Mondeo if you can find a good one? Remember to add both your parents on as named drivers, will help a lot on the insurance front.

i'm not looking to go onto my parents policy, i'd rather just start building up my NCB.

[SD1992]

TankRS said:

not stricly acurate these days, the mrs use to go that route, her dad has been driving for 30+ years and has just about as many years NCB, yet when she tried getting insurance with him as a named driver this year it increased the policy ammount on a few quotes!? bizzare to say the least.

mind you, when i renewed mine, it increased the policy amount also by trying to add voluntary excess to my policy, even more bizzare i think! no?, thanksfully i now have no excess to may instead of volunteering £250!

I guess you just have to give it a go and see what happens - my parents take my insurance down from £1900 to £800

Insurance makes no sense to me at all, at 19 my 1.8 Mondeo would have cost more than my current 2.5 V6 one, not that I am complaining

[SD1992]

Macleod1873 said:

i'm not looking to go onto my parents policy, i'd rather just start building up my NCB.

I meant add them as named drivers to your policy.

[Macleod1873]

SD1992 said:

I meant add them as named drivers to your policy.

Oh right, would this make much of a difference?

[SD1992]

Macleod1873 said:

Oh right, would this make much of a difference?

Like I said in my above post, adding both my parents on as named drivers (they hardly ever use the car) reduces my premium from £1900 to £800 a year. Well worth looking into!

[traffman]

Def look into the older gen cars as im sure they are easier on the wallet , however being 18 is going to be harsh for any quote.

I remember performance direct told me when i turned 21 there would be a big difference , then when i turned 21 they said.....ah but sir when you turn 25 theres a lower premium.

Limited mileage policies can be good , but they have important stipulations included , bear that in mind.

[Macleod1873]

SD1992 said:

Like I said in my above post, adding both my parents on as named drivers (they hardly ever use the car) reduces my premium from £1900 to £800 a year. Well worth looking into!

I'll have a look into, cheers.