What car for a teenager? Pug' "just add fuel?" on a 108?
Discussion
Good Morning,
I'm trying to work out what car to buy for my 17 year old (soon to be 18)..
Quite frankly it seems insurance is going to be the deciding factor rather than anything else. £2-3000+ seems the norm. I've found "grannie" cars, like a corolla or Jazz much cheaper than Corsas and Fiestas and Polos. (less kids have 'em, so less kids crash 'em, or something like that?), Still around £2k though.
Which led to me this "just add fuel" scheme, are there others that do it other than Pug?
A 108 is a £1500-ish deposit and £250 a month, including insurance for an 18+ kiddly-wink. Seems like a good deal, as if I bought something older for a couple of grand I'd still be paying near enough the same a month on insurance alone. Add to that a warranty and servicing is included, it seems a pretty good deal. I guess they have their own underwriting stuff going on. At best it would be "marginally" cheaper to buy something cheap and insure it, and maintain it over 3 years, and I wouldn't imagine it would be worth a whole lot more or less after 3 years.
Unless you can get insurance for an 18 year old on a fresh licence for a lot less via a specialist, but from what I've read £2000+ is very very normal.
I would never be considering a new car for him if it weren't for this all inclusive "deal" ... where's the catch?
Do any other manufacturers offer similar,? couldn't see much from googling around, best I found was first year insurance "free", but will still have a mega bill the subsequent two years, so no point really.
Cheers
Dave
I'm trying to work out what car to buy for my 17 year old (soon to be 18)..
Quite frankly it seems insurance is going to be the deciding factor rather than anything else. £2-3000+ seems the norm. I've found "grannie" cars, like a corolla or Jazz much cheaper than Corsas and Fiestas and Polos. (less kids have 'em, so less kids crash 'em, or something like that?), Still around £2k though.
Which led to me this "just add fuel" scheme, are there others that do it other than Pug?
A 108 is a £1500-ish deposit and £250 a month, including insurance for an 18+ kiddly-wink. Seems like a good deal, as if I bought something older for a couple of grand I'd still be paying near enough the same a month on insurance alone. Add to that a warranty and servicing is included, it seems a pretty good deal. I guess they have their own underwriting stuff going on. At best it would be "marginally" cheaper to buy something cheap and insure it, and maintain it over 3 years, and I wouldn't imagine it would be worth a whole lot more or less after 3 years.
Unless you can get insurance for an 18 year old on a fresh licence for a lot less via a specialist, but from what I've read £2000+ is very very normal.
I would never be considering a new car for him if it weren't for this all inclusive "deal" ... where's the catch?
Do any other manufacturers offer similar,? couldn't see much from googling around, best I found was first year insurance "free", but will still have a mega bill the subsequent two years, so no point really.
Cheers
Dave
yeah, I'm guessing I'll have chips away on speed dial! 
Will have to make it vaguely tidy for when it goes back.
Good point about reducing insurance in yr 2 and 3, I'll run some permutations making him one and two years older on the websites and see what difference it would make. I'm not optimistic though!
Forgot to add, you have to have a telematics ?? box installed, so sensible driving only. Not a terrible thing if I think back to how I drove when I had just passed.
Will have to make it vaguely tidy for when it goes back. Good point about reducing insurance in yr 2 and 3, I'll run some permutations making him one and two years older on the websites and see what difference it would make. I'm not optimistic though!
Forgot to add, you have to have a telematics ?? box installed, so sensible driving only. Not a terrible thing if I think back to how I drove when I had just passed.
QuartzDad said:
I was in a similar boat last year but was able to get the insurance down to around £110/month, he paid £1800 for a 10yo 207 and everyone's happy. Plus I've only ever bought/leased one new car for myself in 30 years of driving, number 2 is not going to be for someone else
That's understandable, who was the insurance with if you don't mind me asking?I'd rather get a snotter, at least for a year or two. if I can get the insurance down to £1200-£1500 a year that's more feasible.
Muddle238 said:
Just Add Fuel as far as I can work out is Peugeot's own stamp on car financing. There's a massive thread running somewhere in GG at the moment discussing whether the wheels are about to fall off car finance, worth a read.
£250 a month is the same as £3000 a year, combined with the initial deposit you'd be looking at paying £4500 for the first year, with further costs of £3000 every year after. You're better off buying an older £1000-£1500 car outright (see 107/C1/Aygo between 2005-2012), which leaves you with insurance costs as high as £3500 a year before the Just Add Fuel thing starts to work out cheaper.
You're forgetting the bork factor of a £1500 car vs warranty. Also servicing costs, but granted that should be teeny on a little shopping car.£250 a month is the same as £3000 a year, combined with the initial deposit you'd be looking at paying £4500 for the first year, with further costs of £3000 every year after. You're better off buying an older £1000-£1500 car outright (see 107/C1/Aygo between 2005-2012), which leaves you with insurance costs as high as £3500 a year before the Just Add Fuel thing starts to work out cheaper.
Muddle238 said:
I'd be surprised if you can't insure your son on an early 107 for less than £1500 in his first year of driving. Also the bonus of having an older car is when the inevitable knocks and scrapes occur or worse God forbid, you won't have Peugeot chasing after you and your son will have his own car, not one borrowed from Peugeot.
Find an early 107/C1/Aygo on Autotrader for around £1500, plug the reg into an insurance price comparison site and see what you can find. Add Mum & Dad as named drivers, this helps alot (not fronting as your son should be the policy holder), limit the mileage. I wouldn't recommend going for one of the tracker-box insurances, I haven't heard good things about those.
Find an early 107/C1/Aygo on Autotrader for around £1500, plug the reg into an insurance price comparison site and see what you can find. Add Mum & Dad as named drivers, this helps alot (not fronting as your son should be the policy holder), limit the mileage. I wouldn't recommend going for one of the tracker-box insurances, I haven't heard good things about those.
QuartzDad said:
Tesco Black Box, although there was one small detail I missed out.... I moved 9 years NCD from my 2nd car to this 3rd car to get the premium down to £1400. Effect on the 2nd car premium was negligible but obviously made a huge difference to the Tesco quote. I'm the policyholder, he's the main driver - he's off to Uni next year and won't be running a car so losing a potential 1 year NCD of his own isn't a big deal.
Thank you! "Black box" I'm assuming is having a telematics thingummiebob installed?Muddle238 said:
Find an early 107/C1/Aygo on Autotrader for around £1500, plug the reg into an insurance price comparison site and see what you can find. Add Mum & Dad as named drivers, this helps alot (not fronting as your son should be the policy holder), limit the mileage. I wouldn't recommend going for one of the tracker-box insurances, I haven't heard good things about those.
Good shout, £3000 107 "Urban" whatever that is.. (I'm not looking past the price at the moment, sod spec)... £917 cheapest quote to insure.All comes down to whether the f
king thing works of course, if it doesn't break it'll be a money saver for sure come year two.MG CHRIS said:
Why isn't the kid buying his own car give him some responsibility in life and lessons of value of money. Yes help him out but he will treat the car a lot better if he has to use his own money to pay for it. Yes its expensive it was expensive for me 7 years ago but I found treated my first car better than friends whos parents bought there's. Also they all crashed or at least had one bump which caused damage while I still yet to damage any of my own cars to this day.
Driving is a privilage not a right he will appreciate it in the long run.
He's a full time student. Commuting by train, leaving home at 6:30am, getting home at 6:30pm every day. Studies two hours each evening And studies 1/2 day Saturday and Sunday.Driving is a privilage not a right he will appreciate it in the long run.
It would be about 5 years before he could afford to buy one working a part time job, if he allowed himself a few hours sleep each night.
Also, because I can and I kinda like him.
QuartzDad said:
ILoveMondeo said:
Thank you! "Black box" I'm assuming is having a telematics thingummiebob installed?
Yep, plus an 8000 mile per annum limit - you can pay more if required. Due to various admin cockups the thingummiebob didn't get installed for a month so he had a month of 'free' miles and unmonitored driving.Having the thingummiebob there is good IMO, he drives much more sensibly than I did at 17 as he knows he's being 'watched'.
t at that age as did most of my friends. Gassing Station | Car Buying | Top of Page | What's New | My Stuff