I want to cry (new car issues)

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Poverty

Poverty

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Ok soa couple months ago my mum who is in the financial and insuarnce industry told me that insurance prices are gonna go up....big time. Anyway I never paid her no attention as I thought she meant like a £200 increase which is alot, but seeing as us young drivers pay so much doesnt make much difference to me. (I will be paying out my ass anyway so im used to it, and she gets excited easily so I thought she was exaggerating)

Anyway around that time she told me I was saving for my A3, couple weeks back as I was nearing the time that I was ready to buy the car I did some more insurance quotes. The cheapest on for the 2.0FSI sport was £5,500:crazy: Where the hell did that extra £2200 come from I wondered? Anyway I went along and did more quotes, and quotes for the lesser audi models.... and guess what the bloody premiums stayed the same :grumpy:

Anyway after a couple days of being angry and sulkin I finally (grudgingly) came to reality that my dreams of having that audi is gone. So therefore I turned my attention to other cars, lesser cars that were cheaper and alot slower. My mind turned to getting a brand new, or near new Seat Ibiza's, VW polo and or MK4 golf (not near new, but I prefer the looks of it over the MK5) all either 1.4's or 1.6's (all slow as hell). So I proceeded to get quotes on those vehicles, and you know what those bastard insurance companies want over £3000 to insure each of those vehicles :crazy: :ouch:

So im now thinking 🤬 that I aint paying 3 grand for insurance on some slow ass car, I might aswell buy the lowest insurance group cars which are the 1.2's and as 1.4's are nearly as slow I thought I might aswell save my money for following years. Anyway I do quotes for these 1.2's (75hp 0-62 in 14 secs :indiff: ) and those removed by moderators still want to charge me over 3 grand to insure those slow shopping carts, I can run 100 metres faster than those things will do it.

and what really pissed me off is that I accidently put myself down as female on one of the quotes and the price halved!!!!!!!!!🤬 🤬 🤬 🤬


NOT HAPPY 🤬 :banghead:


/rant over


P.S

My details

18yrs old, 0yrs NCB, 10,000miles, fully comp, South East London Postcode, driveway parking, only social driving, pass plus
 
Poverty
and what really pissed me off is that I accidently put myself down as female on one of the quotes and the price halved!!!!!!!!!🤬 🤬 🤬 🤬
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Not knowing how insurance companies work (I just give my parents the money to pay for mine), couldn't you try and get away with that?
 
Have you tried adding your mum as a named driver? Often having an 'experienced' female on there can make a difference.

Toronado> Insurance fraud is serious business over here so something like that just wouldn't be worth doing. Unfortunately.
 
tried that, under my mums name and they still want me to pay £3,000. Seems like insurers arent messing about when it comes to us young male drivers. The price has nearly doubled from 4 months ago, and the same goes for female drivers as my girl could get insured on a 1.2 for £700 4 months ago, but now it would cost her £1500
 
This is a good example as to why you see so many youngsters driving around in cheaper, slower cars. I've never, ever seen any teens driving anything like an new Audi unless they're (or more than likely their parents) are rich, or they're lucky enough to get a company car of the sort. My parents are drilling this into my mind as well: you could probably afford to buy a nice car, but the insurance will break you in half. The quotes are a little higher than I was expecting as well. No doubt it will be more in the next few years, when I will be starting to look at getting one.

You may have no choice but to wait a while with a slower car before the quotes come down...
 
3 grand for a a bloody 1.2 is stupid though. I would happily pay up to 3.5 grand for a audi A3 but not a 1.2 or a 1.4, maybe a 1.6 if it was nippy.

Im stuck on what to do. I have just heard of one kid getting quoted on a 1.4 mk4 golf fully comp for £2,000, hes only 17 and hes paying less than I got quoted WTF!. I think my London location is screwing me big time though cause the kid lives in shropshire wherever that it. (somewhere out in the sticks I presume)

I might start looking at high performance cars that are classed as classics and see what the insurance companies say about that. Id rather buy a 2 grand 200sx and spend 5 grand insuring it than spending 9 grand on a 1.2 and 3 grand on the insurance for it.
 
As I said to you in an earlier thread, hatchbacks get big insurance penalties because most kids drive hatchbacks, and most kids have accidents... Saloons get insurance breaks because old people and reps drive them and they don't have accidents.

Try getting insurance on a 1.6/1.8 Mondeo. You'll find it a lot more reasonable AND you can get a newer car for your money because saloons depreciate like condoms - used ones go for no money at all.

Or try something utterly bizarre like a Suzuki Cappuccino.

If you want something interesting, you have to know how insurance works and think a little laterally.


Oh, and I've taken the liberty of editing that expletive out of your post before you get a warning for it. I understand the feeling behind it.
 
You may have to just buy a small engined banger to insure for a year or so - it's amazing how much difference one year's no claims can make to a premium!
 
Welcome to reality, Poverty. As a young, single male, you get screwed on insurance. If you get a "fast" or "cool" car, your insurance may rival, or even surpass, your car payments. I drive a nice, new, unlikely-to-get-me-in-trouble car, and the insurance is still 65% as expensive as the payments themselves. In a couple years, I'll be out of the 16-24 year-old range, and my insurance will go way down. Unreasonably unfair? Absolutely. Can I do anything about it? Nope. Such is life.
 
TBH I dont know what Im gonna do. Im pretty much depressed about the whole situation at the moment to the point that I might just not bother at all. I dont really need a car, its just extremely convienent to have one.

Suppose its time for me to start bugging my company vehicle manager to give me a van to take home. That only costs £20's to insure :crazy:
 
And in the meantime you earn no NCD...

Get a 2CV/Panda. Keep it stored on the driveway, don't drive it, insure it TP only, limit it to 1,000 miles a year, SORN it and then use a works van to get around. That way you'll be pushing out about £600 a year (tops) for insurance and earning NCD. Next year, when you need a car, you'll have a year's NCD and the insurance will suddenly become a lot less harsh.
 
The prices you mentioned in your first post are pretty much what I expected all along. Comes from being an 18 year old male. Been there, done that, so I know what it's like.

What about something like this?

1994 BMW 320i SE, L reg, British Racing Green, alloys, e/w/m/sunroof, PAS, CD player, alarm, immobilizer, ABS, airbag, full service history, Tax & MOT, owned last 6 years. £1,125. o.n.o

I wouldn't necessarily suggest that exact car, but for around a grand you get the engine you want, the badge you want, the space you want etc. I'd cost about £3000 to insure - however, it'll last a year, and then you can sell it for roughly what you paid for it, complete with 1 year's NCB.

I got a quote, for me but with a few details changed to yours, on that exact car, with both comprehensive and 3rd party Fire and Theft. The cheapest quote on comprehensive was £3000. The cheapest with TPFT was just under £1900. You don't need comprehensive cover - if you do crash, you'll have a manditory excess to pay, probably around £500, before you even start on a voluntary excess. Go for TPFT and watch those quotes tumble.
 
That sounds like a good idea Roo. I can just rag that bmw everywhere too as I wont care about it.

The 2cv idea is good aswell but im not too sure what my mum and neighbors will think of having that banger parked outside.

I have one lifeline left. They call him adrian fluxx. I will give him a bell in the morning and see what he says.

I dont know how some of my friends are gonna be able to afford to insure their cars next year as many of them arent working. I wonder how much it will cost my mate (or should I say his dad) with his M3 next year.
 
Poverty
The 2cv idea is good aswell but im not too sure what my mum and neighbors will think of having that banger parked outside.
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Everyone loves a 2CV.

Poverty
I have one lifeline left. They call him adrian fluxx. I will give him a bell in the morning and see what he says.
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Have a quick read up about Adrian Flux, specifically what they'll do to get out of paying out.
 
lol Ive heard some stories about them and the lengths they go to not paying but as long as everythings legit it should be OK right?

They do seem like a company who actively targets high risk drivers who are likely to mod their cars and not declare the modifications so that they can cancel the insurance.
 
Depends... do you always drive legally?

They'll wriggle out of driver-fault claims, because most driver-fault claims are caused by the driver behaving outside the law, therefore illegally - and one of the clauses is that you must stay within local road traffic laws at all times.
 
Partially the reason Id argue.

Insurance companies say that the reason why the big increase is because of the rising number of personal injury claims, and 40p from every pound goes straight to lawyers from our insurance.

People in england are in a claim culture world right now. The idiots are claiming for everything. Got hit from behind at 10mph? Yep thats a whiplash claim there, plus therapy cause the guy is now too scared to get behind the wheel again. The idiots dont seem to reliase that its a butterfly effect and the costs will just get passed on to them.

Cant wait till im a fully qualified plumber, then I can just pass my insurance costs straight onto my customers :lol:

Famine
Depends... do you always drive legally?

They'll wriggle out of driver-fault claims, because most driver-fault claims are caused by the driver behaving outside the law, therefore illegally - and one of the clauses is that you must stay within local road traffic laws at all times.
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well with a 1.2 it will be hard not to, but if a more powerful car was in question id say no.
 
Poverty
well with a 1.2 it will be hard not to, but if a more powerful car was in question id say no.
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I destroyed a 1.3i Fiesta in a driver-fault collision...
 
I bet that 1.3 fiesta was lighter than a gnats arse though. these VAG mini segment cars arent the lightest ones out there.

BTW I noticed that the VAG 1.2 is a 3 cylinder, is it common for 1.2's and less to be 3 cylinders?
 
Poverty
Partially the reason Id argue.
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The biggest reason is that 18 year old males are most likely to have an accident due to lack of experience and the fact that most of them think that they are awesome drivers. I'm sure famine can drag up some statistics, I took like 5 minutes to search for them but I got lazy.

Also the only car I couldn't drive like a complete hoon in was a 1.1 carbed fiesta that had a slipping clutch. In comparison my 83 1.6 ford escort was a complete beast, although that car pretty much scared me into driving sensibly.

Poverty
I bet that 1.3 fiesta was lighter than a gnats arse though. these VAG mini segment cars arent the lightest ones out there.

BTW I noticed that the VAG 1.2 is a 3 cylinder, is it common for 1.2's and less to be 3 cylinders?
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94-99 year polos are about the same weight as fiestas, the 16v 1.4 one and the newer 1.0 were allot nicer than my old 1.4 8v one.
 
I think many small engines are 3-cylinder... don't like the design myself, as they run even rougher (if that's possible) than 4-cylinders.

Sucks to hear about your insurance issues... those quotes are about ten times more than we pay! Hell... you could buy a car for that much just about anywhere!!!

I'd always known everything was more expensive in the UK, but that's borderline ridiculous.

Guess all you can do is suck it up... I like Famine's advice, personally... get the cheapest car you can, and learn the ropes on the company van. It'll keep you out of trouble, and, more importantly, those first year bumps, dings, scrapes, whoahs! and what-nots everybody gets won't go on your car.

Save up some more... in a few years, when your rates go down, you can get something really nice. :lol:
 
Well if you still want a Volkswagen, whats wrong with going older than an MKIV? I guess if it comes down to status, I would suppose that newer models may be "cooler" in Europe, but I'd care to argue that the MKII and MKIII models were some of the last great ones made by VW. They weren't too heavy, were equipped moderately well, and in some cases, were rather fast.

I'd suggest looking up an old MKIII Jetta (I believe they called them the Vento in Europe at the time). My '96 Wolfsburg with the 115 BHP 2.0L 8V is moderately quick (0-60 in 10-ish seconds), and gets pretty decent fuel economy (I average between 27-30 MPG). Insurance prices are going to be high compared to other cars of the era (I presume), but it will be far below that of an MKIV or MKV model that you are looking for.

...Hell, if you want a Golf, look for one of the early MKIII GTI models. Although we didn't receive the 2.0L 16V model in the US, as I understand it, it is a pretty damn-good car. I'd look for a '93 or '94 there, should be pretty cheap, and a pretty good drive.
 
My first car was a 1.2 SEAT Ibiza and it cost me £900 to insure, in 2001. My second car was a 1.4 SEAT Ibiza, which cost me £680 to insure, I now have a Pugeot 306 1.9TDi which costs £460 to insure and a VW Bora V5 that costs £590 to insure and I'm 25 next year which will see thoes prices drop, but I might nt have the Bora anymore then, it's a financial nightmare when it comes to work being done it. The best piece of advice so far is Famines, it honestly is, by doing that your going to have a worthless car being insured for a relatively tiny ammount compared to everything else' insurance. Your never going to be driving it, so your neve going to claim on it, so that's sorted. Just be patient for a year, maybe two if you could hack it, and your insurnace would be a lot less. People crash when they first start to drive, and that is no bollocks. I did, my brother did, many of my friends did, all within their first year. You seem intent on buying something German which in my experience generally means more expensive that other equivelents which will be reflected in the insurance. I know you like German cars a lot, but can you not just let thoes ideas pass until your in a better position insurnace wise.

Oh and you really don't need a powerful car to drive recklessly, and to speed or to get that "I'm a race driver" feeling when the roads seem clearer. How you drive is mainly about attitude, not so much the power of the car your in.
 
The chances of actually being able to get a car once I get my liscence get worse every year :indiff:

My recommendation, get a Mondeo. It'll be easy and cheap to repair, insurance shouldn't be too bad, and your mates will than you because they shouldn't be too cramped in the back seats.
 
Poverty
That sounds like a good idea Roo. I can just rag that bmw everywhere too as I wont care about it.
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:banghead:

I drove a not exactly healthy 998c Mini for 2 years for a reason: because I knew if I had a car that could do 140mph, I'd end up doing 140mph sooner rather than later. I picked that BMW because it fit your criteria and was fairly cheap. Thinking about it a bit more, however, if you get a powerful car, you'll drive like an idiot. If you get a slow and not-very-powerful car, you'll still drive like an idiot, but you won't be going so fast when you hit that bus/tree/pedestrian/whatever. Personally I reckon the best car for you is one of these or - better still - one of these; you can rag it all you want without the power killing you, and when you do crash, you'll be protected.

You may say that you'll drive carefully whatever car you buy, but I know that isn't true, and if you don't think you do at the moment, the first close shave or actual crash you have will make you realise you always did.
 
I knew a few people who have looked at the classic Mini's. And very quickly they realise they're going to have to pay quite alot for very little so it's rarely worth it.
 
Just come across this:

Poverty
thing I might aswell just buy another corsa or something like that untill I got a couple years NCB.
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Do it. Do it. Doitdoitdoitdoitdoit. It's the most sensible thing you could possibly do.

ExigeExcel
I knew a few people who have looked at the classic Mini's. And very quickly they realise they're going to have to pay quite alot for very little so it's rarely worth it.
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Depends on the condition of the car you get; my first one I bought because it was old and slow, and it didn't matter if it terminally broke after a year or so. (It hasn't, incidentally :)) The second one I got is an absolute peach. They certainly aren't the best cars in the world, but they do everything I need at the moment. That said, I bought the first one and then became a fan, rather than the other way round; it all depends on what you're after. If I wasn't happy with my Minis, I'd go and buy an Aygo tomorrow.
 
I think i'm going to have to start posting in a different colour font - entering a message at the same time as Famine means I get overlooked :lol:

Blue, anybody? ;)
 
Also, slower cars with smaller engines can have more options for the same price of the same said car with a bigger engine. For example, you might be able to get a fully optioned 1.6 A3 for the price of a standard 2.0 A3 (I actually have no idea if that's exactly right, put you get the idea). You'll end up with a more comfortable and satisfying car for the 99% of the time you're not in Traffic Light Drag Races.

I think once you start driving you realize that power isn't everything. My car is a ball to drive and it only has 80hp. You don't really need 4 billion HP to cruise at or below the speed limit, where most of your driving probably will be.
 

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