New Driver budget shite mission Suggestions plz

[outlaw118]

Mate from the pub has finally got his shit together and passed his test. He's mid 20's, self employed industrial electrician - responsible job and all that, and has been offered a 1400 Zetec Festa, for next to nowt. Upon phoning for (the dreaded)insurance, he was quoted £2250 TPFT - still cheaper than fully comp.

 

Works been a bit thin recently, and so the budget for car purchase + insurance is about £1800 MAX. I suggested a few bits, ie Clio, Polo, Ka, Sceinto, 106 that kind of stuff, and the only driving force is the insurance cost at tghis point. And that it's not a Ka. Petrol or diesel, either. Horsey Horsless is over budget however.

 

Any suggestions, or alternatively is there a website that lists insurance groups?

 

Cheers!

[ProgRocker]

If he can put up with the girly styling then I would suggest a Nissan Micra. These are often driven by cautious types so insurance companies may take a positive view of these - that's just my theory!

[Guest]

Plymouth Superbird.

[Cavcraft]

Shopping round for insurance quotes we found it quite reasonable for a 106 so may be worth a try.

[Luxobarges_Are_Us]

Try ringing around a few classic insurers to see whether he'd be eligible...if he is (and due to his age I reckon he should be able to find at least one company willing to insure him), we can then start recommending some KWALITY stuff such as Talbots and Yugos.

[sporty-shite]

Retro80sboy's Escort. I really would have had it, but Mrs S disagreed in the strongest possible terms, and considering I was relying on her to take me for it, this made the chances of success, zero.

 

He should get it on classic cover, too.

[catsinthewelder]

I think you need to have passed your test for over a year on most classic policys but its worth a try. Most of the students round here seem to have K11 micras and Corsa Bs and Cs which would point to them being cheap to insure. The rest have new stuff presumably on free insurance deals

[Rod/b]

I know somebody selling a brown VdP 1500 Allegro, if he wants to stand out from the crowd and pull birds?

[outlaw118]

Hmmm, I spent a while this am looking at 106 Diesels, then looked on ther Parkers website, apparently they are Group 7.

 

VDP allegro? that would be rofl-worthy, and he's twisted enough to want it. Trouble is, I thought classic policies require another car for "main" use? If this isn't the case.....

 

He looks a bit like this bloke:

Not sure if he can play guitar though....

[Luxobarges_Are_Us]

VDP allegro? that would be rofl-worthy, and he's twisted enough to want it. Trouble is, I thought classic policies require another car for "main" use?

 

Some do and some don't. Also watch out for mileage limits (although that's nothing that can't be fixed with a little bit of effort... ).

[outlaw118]

UPDATE:

Spoke to the weird beard (not Dollynobbler!) and gave him the reg numbers of a couple of 106 Dizzlers so he can get insurance quotage....This one:

Currently £310, no reserve,

http://cgi.ebay.co.uk/ws/eBayISAPI.dll? ... K:MEWAX:IT and this one:

http://cgi.ebay.co.uk/ws/eBayISAPI.dll? ... K:MEWAX:IT

Currently £137 RNM, but he'll end early for £600.

 

Will update as soon as I know....in the meantime, any other suggestions gratefully received - oh, and Micra's are off the list now, he learnt to drive in one, and an hour lesson took a day to recover from due to unsuitable driving position apparently....

[Guest Len H]

pogweasel (RIP) is still selling a lovely 106 1.4 I think. 106 diesels aren't much more economical than the petrols, but 95% more miserable.

 

I don't think insurance groups have much bearing on the prices they come up with.

[trigger]

I can't imagine a guy that looks like that driving a 106, and the pedals are to small and close together so if he has big feet he'll be head butting the dash alot, though if he does look like that picture then I imagine he's use to doing that a lot.

[outlaw118]

Lolz @ Trigster!

 

@ Len H; He specifically said, after speaking to his "broker"*, that anything up to 1.2 petrol would be preferable, and diesel would be better. I couldn't be arsed to argue, so I rang him with the details of those, so my work is done - for now.

 

*He won't use comparethe meerkat or monkeysupermarket as he seems to have some kind of irratiional fear of information security and stuff. Told him he's paying the broker, but not interested. Whatever.

[dollywobbler]

He really needs to try a 106 before he goes ahead. They really are tiny. Can't imagine that someone who struggled with a Micra will find a 106 comfy.

[catsinthewelder]

Big fella eh, well a Corsa B won't suit either then. I couldn't fit my feet properly in the footwell of a driving instructors one.

 

Little stuff that feels fine includes Fiat Punto, Uno and old Panda, Pug 205, Mk1 Clio and Daihatsu HiJet. I'd recommend any of these although the HiJet gets a bit uncomfy after 50 miles or so.

[Cavcraft]

I don't know about that, I'm 6" 3-ish and the only small car I couldn't get it was one of those Lieger (or whatever they're called) micro cars. 106/Corsa/Fiesta/Metro etc all perfectly fint to drive when you''re lanky.

[Albert Ross]

These are quite cheap, odd colours, and girly image. BUT. 1332cc Twin Cam, Multi point, revvy little thing. My Daughter had one and loved it. It only let her down after I steam cleaned it... (Starter and alternator went tits up, but I got some off a scrappage car) Cheap to fuel up, and only ever needed pads and a CV boot on top of tyres in nearly three years.

 

Toyota Starlet.

[cms206]

I remember the cheapest insurance quote I got back in the day was, believe it or not, for an F-reg 740GL estate. £630 or thereabouts, and I was only 18 at the time. Sadly the cost of the 740 was prohibitive at the time, but they are also cheap as chips now...

[Luxobarges_Are_Us]

ÃŽâ„¢f he has to stick to the small car thingy (although I wouldn't do it unless/until you were positive about his inability to obtain a classic policy), I'd recommend a Daihatsu. My mum's (or is it mom's?) Sirion can sit 4 tall people in GR9 comfort (as long as their collective luggage is no bigger than an Aldi carrier bag), and the 1.0 was a hoot in the Cuore in which I passed my test, so it's got to be at least adequate in the Sirion (I have it on good authority that the 1.3 will happily sit at 165 kph all day long ) Ridiculously reliable, plus obscure enough for a bit of shite appeal.

[dieselnutjob]

drove a VW Lupo once and was impressed with the room for a taller driver. was years n years ago though

[Cavcraft]

BMW E46 and four hundred quid change to pay the fine for no insurance with?

[Father Ted]

If he can put up with the girly styling then I would suggest a Nissan Micra. These are often driven by cautious types so insurance companies may take a positive view of these - that's just my theory!

 

I wouldnt bet on it

Just chucked details into Confuddled.com (who are utter twunts anyway) for my son and bumped his age upto 17 for my T plate Nissan Micra 1.0 boggo basic crapplewaggon.

As a student living with mum & dad doing 3000 miles a year he can expect to pay between £4269.81 (e-Car) and £8848.24 (ASDA) third party.

 

Given the car is worth at best on a good day with a following wind about £800 this is insane.

 

Confuddled wont quote him for the C8!!!! LOL

[Luxobarges_Are_Us]

FT, you should try getting quotes for comp, too. It often works out cheaper.

 

Someone less scrupulous than myself could tell you to check cancellation T&Cs and just alternate every other week between the insurers that allow you ab initio (i.e. retrospective) cancellation within the 14 days cooling-off period. Of course, this runs the risk of a claim arising a few days after an incident, causing you to have been uninsured during the time of the incident, but the less scrupulous may be prepared to take that risk. Much better than driving without insurance.

[Rod/b]

They would soon get wise to that and besides, your refund is deducted for the pro-rata premium due for the time that your policy is 'on risk' so it's not going to work out any cheaper, probably more expensive with admin fees and the like. Not worth the hassle or effort.

[Luxobarges_Are_Us]

your refund is deducted for the pro-rata premium due for the time that your policy is 'on risk' so it's not going to work out any cheaper, probably more expensive with admin fees and the like. .

 

Straw poll of cooling-off cancellation policies using my 2 previous insurers:

1) Uncooperative I.S.: "time on cover", no fee (not helpful in this scenario)

2) Shitcover: ab initio, full refund minus 25 quid fee (that's 12.5 a week or 650 a year)

 

Not worth the hassle or effort

 

Not even for 3 grand a year (assuming you can find 7-8 insurers with terms similar to Shitcover's) ?

 

 

Again, I would never recommend such a thing...but I would understand someone who had to resort to it.

[Autoplas]

your refund is deducted for the pro-rata premium due for the time that your policy is 'on risk' so it's not going to work out any cheaper, probably more expensive with admin fees and the like. .

 

Straw poll of cooling-off cancellation policies using my 2 previous insurers:

1) Uncooperative I.S.: "time on cover", no fee (not helpful in this scenario)

2) Shitcover: ab initio, full refund minus 25 quid fee (that's 12.5 a week or 650 a year)

 

Not worth the hassle or effort

 

Not even for 3 grand a year (assuming you can find 7-8 insurers with terms similar to Shitcover's) ?

 

 

Again, I would never recommend such a thing...but I would understand someone who had to resort to it.

 

As an 'insider' doing what you are suggesting there isn't good for three reasons.....

 

1. I AM ON TO YOU AND YOUR GAMES SUNSHINE

2. It's bit like saying if you play a fruit machine for 24 hours you will get enough wins to come out on top. You won't, trust me.Nearly all insurers and more specifically brokers will have a PROPA cancellation charge in their TOBA and although you might get TOR and no charge on one cancellation you are going to get royally dicked on another and I mean royally....

3. Although there are several comparison sites and thousands of brokers the actual pool of insurers isn't endless especially when you consider that the pool is reduced further depending on specific risks. Carry on cancelling policies after two weeks and you WILL get picked up on the radar and refused insurance - which you then have to declare when trying to take out a new policy.

 

Bob tell him to buy a Ka m8 - GR8 4 PULLIN BIRDS AND DOIN DONUTS