A car bought, insured and tax for 2.2k......can it be done?

[jkk45]

What do you think? That's all the savings I have

Open to just about anything that will not break down. Only need it for 10/11 months, probs just gonna send to salvage after that. So service history isn't that important

Also I'm 24 and have had licence for 6 years, so insurance isn't likely to be insanely high.

Edited by jkk45 on Friday 9th August 19:57

[SAS Tom]

I’m slightly older but have just managed it with a Peugeot 607.

£950 for the car, £350 insurance and just over £200 tax. 118k miles, 1 owner, full service history, drives straight, 4 matching Michelin tyres. Needed the air con regassing and a bit of tidying up but well under budget.

[Odhran]

Mrs just did with a 1.5 petrol Swift. Bought car or £1050, insurance - £550, tax £200.

[InitialDave]

Depends what car you want, really. If it's just "a car", shouldn't be difficult at all.

[anonymous-user]

Just today I bought a 55 Honda Civic Type S on eBay for £720 with full Honda service History. Insurance is £220 for the year and road tax is £260 for the year.

I make that 1.2K all in although I admit I have not collected the car yet!

Although out of 14 MOTs

10 no advisories
3 Failures on Wipers X 2, a headlamp bulb and low front brake pads
1 pass advisory for indicator bulb discoloured.

So not too worried.

[sparks_190e]

I just did with a Mercedes 190e but it's probably not the best idea as they are expensive cars to run.

[2gins]

Saab 9-5 HOT, petrol, manual, estate, not in silver or black. Stage 1 with big front pipe. £1500 including 2 sets of wheels and a load of other parts. Net cost after disposals about 1.1k. insurance was about £250, tax about £315. So it was just under your limit before flogging the bits.

Before that a 9-3, similar story. Both a bit leggy, but hey that's shedding.

[ZX10R NIN]

CLK270

https://www.autotrader.co.uk/classified/advert/201...

C220 Sport Edition

https://www.autotrader.co.uk/classified/advert/201...

[mike9009]

You should easily be able to do it.

In feb I bought a Smart Roadster (£1400), insurance was (£120) and tax is (£120). It gets high mpg.


Only caveat is I did quite a few minor repairs myself. New roof mechanism, new stereo/ speakers, fix for power steering, fix for horn, etc Still under your budget and came with 12 months MOT too.

[egor110]

You could get a Ford puma for your budget .

Pretty simple cars so not much to go wrong , decent mpg and good fun .

[Mr Tidy]

It shouldn't be a problem - I sold a BMW E46 325ti Sport for £1,450 in March 2018.

Tax would be £325 a year now and insurance was about £300 a year, so within your budget!

It replaced a 1996 Mazda 323F 1.5i that cost £695 plus £145 a year for tax and was not dear to insure, so about half your budget - but it was so boring it had to go!

[mike74]

mike9009 said:

You should easily be able to do it.

In feb I bought a Smart Roadster (£1400), insurance was (£120) and tax is (£120). It gets high mpg.


.

£120 insurance? Is that really possible on any main car and standard (non-traders) policy?

Especially on a Smart Roadster on which I imagine the parts could be relatively expensive?

[SCEtoAUX]

You'll get a perfectly decent little Aygo for £1500 and tax is just £20. Plenty left for insurance.

It won't go wrong and after a year you'll get most of your money back.

The total running cost other than insurance will be pretty much be 10p per mile plus £100.00 in depreciation and £50.00 for new MOT to make it easy to sell.

[Roger Irrelevant]

mike74 said:

mike9009 said:

You should easily be able to do it.

In feb I bought a Smart Roadster (£1400), insurance was (£120) and tax is (£120). It gets high mpg.


.

£120 insurance? Is that really possible on any main car and standard (non-traders) policy?

Especially on a Smart Roadster on which I imagine the parts could be relatively expensive?

I suppose if the car's valued at £1400 the insurer is never going to be paying for many parts though. I just checked what my insurance would be without the breakdown cover - £180 fully comp for a Subaru Outback, 15,000 miles p.a. Parts can be expensive for those too, ask me how I know! It's cheap because I live in an area with a very low vehicle theft, hardly any people in it and drive an old farmers' car (albeit with a reasonable 240hp).

Back on topic, as somebody else said I'd go for an Aygo or Yaris, loads available for around a grand and unless you live in a war zone I can't see insurance is going to be the same again. You'd be really unlucky if it went badly wrong in 12 months and they're v. light on consumables too.

[p4cks]

£2.2K will be a total piece of piss

£500 Ford Focus
£500 insurance
£130 tax
£300 maintenance

[I.miss.my.old.cars]

Had a 320d 2003 bought for £750 in Aug/18. Tax was £230, I think. You would have 1.2k to insurance/maintenance

[GreatGranny]

Civic for a grand

https://www.autotrader.co.uk/classified/advert/201...

£200 tax

leaves loads for insurance/any issues etc..

[Xaero]

GreatGranny said:

Civic for a grand

https://www.autotrader.co.uk/classified/advert/201...

£200 tax

leaves loads for insurance/any issues etc..

Pretty much what I have at the moment. Only I have a slightly better spec, but in poorer condition for a bit cheaper. It's also highly unlikely to go wrong.

[Liamjrhodes]

It should be easy as long don't live in an area with really high insurance premiums

[I.miss.my.old.cars]

Xaero said:

Pretty much what I have at the moment. Only I have a slightly better spec, but in poorer condition for a bit cheaper. It's also highly unlikely to go wrong.

Are you liking it?
I have a 19 plate jazz that I'm hating. Too slow, CVT is terribly delayed, suspension not good for motorway driving... Thinking about going back to a cheap, better car. Would a Civic like this be a good option to me?