Discussion
It's nearly time for me to start thinking about buying my first car. Can't decide between these two. They are both in the style I like, but can't decide which I like more. I think the polo would be easier to insure for an inexperienced driver and that is why I like the polo; it's nice to look at IMO and easy to insure and it has a good fuel consumption.
What do you think?
What do you think?
as difficult as it can be, you really shouldnt modify your first car;
chances are your going to be young, and the insurers will either refuse to cover, or charge an absolute fortune, failing to insure correctly could result in cover being revoked and 6 points for driving without insurance, and since your probably young, this means bye bye licence.
modified cars are stupidly expensive when your a 25+ YO with maximum no claims, but a 17/18 YO with zero NCB its just not worth it! For the same money it will cost in insuring a modified car you could get a better, standard car.
chances are your going to be young, and the insurers will either refuse to cover, or charge an absolute fortune, failing to insure correctly could result in cover being revoked and 6 points for driving without insurance, and since your probably young, this means bye bye licence.
modified cars are stupidly expensive when your a 25+ YO with maximum no claims, but a 17/18 YO with zero NCB its just not worth it! For the same money it will cost in insuring a modified car you could get a better, standard car.
Time saving technical tip.
Only change the wheels and stereo on your first car, a really nice set of alloys will make it look the part even without the body kit etc, you really want. Try to plan ahead what car you want next, so you can swap the wheels and stereo into the next car. For example if you get a polo but plan to upgrade to the golf a year or two later, find out if the wheels you buy for it will fit. Obviously head units amps and subs are interchangable.
I found way back when I was a boy, with the specialist brokers like Hyperformance and Adrian Flux If the car had alloys wheels as standard, and you own up to changing them for nicer ones, there wasnt even an increase in premium, just a foot note on the cover saying if they were damaged in an accident they would only be replaced with the standard items, yes if you crashed you loose your £1000 alloys, but given the premium might have gone up by that much anyway a risk worth taking.
Only change the wheels and stereo on your first car, a really nice set of alloys will make it look the part even without the body kit etc, you really want. Try to plan ahead what car you want next, so you can swap the wheels and stereo into the next car. For example if you get a polo but plan to upgrade to the golf a year or two later, find out if the wheels you buy for it will fit. Obviously head units amps and subs are interchangable.
I found way back when I was a boy, with the specialist brokers like Hyperformance and Adrian Flux If the car had alloys wheels as standard, and you own up to changing them for nicer ones, there wasnt even an increase in premium, just a foot note on the cover saying if they were damaged in an accident they would only be replaced with the standard items, yes if you crashed you loose your £1000 alloys, but given the premium might have gone up by that much anyway a risk worth taking.
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