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worth getting an old banger?

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my mum and dad just checked the insurance to see how much it would be to put me on their insurance for a nissan micra and they wanted £4500 a year! they said they wont pay this and we are looking for … Read More
Cluffy321 Avatar
8y, 3m agoPosted 8 years, 3 months ago
my mum and dad just checked the insurance to see how much it would be to put me on their insurance for a nissan micra and they wanted £4500 a year! they said they wont pay this and we are looking for altenatives, i said i should buy an old banger and get 3rd party which would be around £750, i would prefer this also as i would have my own car but would i be constantly having to service/repair it?

anyone had any experiences with cheap cars, also what should i go for in terms of being reliable/ cheap to fix?
Cluffy321 Avatar
8y, 3m agoPosted 8 years, 3 months ago
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#1
The title inspires me to say something smutty, however I won't.
#2
hey how old are you and what size engine is your micra as no way it should be £4500 as when i passed it was only a grand to add me on
#3
im 17 and engine is 1.1 i think, im pretty sure they dont want to insure me so thats why its so high, they are with m&s btw
#4
ok that quote is ridiculous as my car was 1.4 renault. Try using confused.com or moneysupermarket and use your folks car and see how much your quotes are for yourself the quote should be lower as you not being added onto exisitng policy also quote for young people is usually lower on smaller engine cars
#5
its about £1200 on comparethemarket.com best price, they still think this is too much though
#6
is that quote with you as main driver
#7
You should be able to do better than that... get some more realistic quotes...

Running a cheap car can be expensive... I see people paying £500+ to repair cars worth less... some parts are so expensive they can effectively write a car off. I'm thinking especially diesel pumps and ECUs.

That said... running an older car can have it's benefits. When you scrape it against a low wall (and you will) you might not care about getting it painted. I would recommend something Japanese. Nissan is a good bet. Make sure it's got a timing chain and not a belt... and if you do get unlucky and end up with a duffer, buy another one the same and keep the old one for spares.

Learn how to service the thing yourself too. This won't save you loads, but it helps to have an understanding of how things work when you own an older car. Also find an independant mechanic you can trust not to rip you off at the first opportunity.
#8
Mine was just over £1000 to insure me and my mum on a 1.6 Astra.
My share was about £800.
Was over £2500 to insure me on my own car.
#9
rocko5000
is that quote with you as main driver


no added to policy

dotcomslashnet
You should be able to do better than that... get some more realistic quotes...

Running a cheap car can be expensive... I see people paying £500+ to repair cars worth less... some parts are so expensive they can effectively write a car off. I'm thinking especially diesel pumps and ECUs.

That said... running an older car can have it's benefits. When you scrape it against a low wall (and you will) you might not care about getting it painted. I would recommend something Japanese. Nissan is a good bet. Make sure it's got a timing chain and not a belt... and if you do get unlucky and end up with a duffer, buy another one the same and keep the old one for spares.

Learn how to service the thing yourself too. This won't save you loads, but it helps to have an understanding of how things work when you own an older car. Also find an independant mechanic you can trust not to rip you off at the first opportunity.


thanks for that, i know an independant mechanic so that will help
#10
i meant the quote you did online
#11
Cluffy321
there doing so i can give them lifts!


They're. Jesus.
#12
rocko5000
i meant the quote you did online


o rite yes it was, but my mum and dad cant get out of there policy till july, we tried adding my dad as a second driver but it wasnt any cheaper
#13
dotcomslashnet
They're. Jesus.


sorry, im trying to type quick :p
#14
Cluffy321
sorry, im trying to type quick :p


Meh. I'll let it go this time.
#15
dotcomslashnet;4197278
They're. Jesus.


Are they?!
#16
ok so the quote for £1200 was with you as an additonal driver
#17
rocko5000
ok so the quote for £1200 was with you as an additonal driver


yes

EDIT- no quote was as me as named driver however it was only 3rd party and my parents wont go for it
#18
Cluffy321;4197338
im not living off my parents, they are maybe going to pay for insurance, do you live off insurance?


dont rise to "him" cluffy just ignore him and press the report button
#19
i'd wait a for a while to get insured as 1 your still not 18 and 2 i'd start doing quotes around the times you folks insurance runs out
#20
donnydude
dont rise to "him" cluffy just ignore him and press the report button


Mods should be busy tonight - I've also reported it. Let's hope they sit up and listen.

Someone asks for advice, and this fool responds with utter disrespect. Hukd is no place for such a thoroughly idiotic moron.
#21
nicely cleaned up
#22
rocko5000
i'd wait a for a while to get insured as 1 your still not 18 and 2 i'd start doing quotes around the times you folks insurance runs out


they want me to get some experience while im not having lessons, as does my instructor and me
#23
Bangers are usually cheap to fix depending on what's gone wrong. This is because you can walk into a scraper and pick up just about any part from £5 to £25 and because they're older, they're a lot easier to fix (usually just a bolt off, bolt on jobby).

I bought a '92 1.1 Peugeot 205 for £80 when I was 18 and got insured as a named driver on my parent's insurance; this cost me £450 for 3rd party, fire and theft. I still keep the 205 and last year it cost me £50 (after cashback) fully comp to insure myself as the main driver :) It has cost me about £100 a year to do repairs / servicing myself and I've learnt a lot. I self taught myself with a Haynes Manual plus had a little bit of help from a friendly mechanic (I didn't trust myself fitting new brakes :whistling:). It's broken down about once a year on average but because I've fixed it myself, I've never had it out of action for more than 24 hours.

Apart from the initial service when you first get the car, bangers will actually require fewer services than new cars (less than 3 years old) but are obviously more prone to braking down / failing MOTs.

My advice with regards to insurance is to take a visit here:

and with regards to what to get as a first car I would just get something which is £200-£500 and is common. Stick with less than 1.4L, especially as car tax will be significantly cheaper.

HTH.
#24
Cluffy321
its about £1200 on comparethemarket.com best price, they still think this is too much though


try prudential or direct line let us know what price you get?
#25
Also bear in mind every time you get a quote or use confused.com you have a credit search marked on your credit file. I made a thread about this once.
#26
I got a quote for £400 Third Party Only on my dads 1976 Hillman Avenger 1300 Super.....

....but that was a few years ago :)
#27
well I have a P reg vauxhall, had it for 3 years and never really had a problem with it. You can get an older car thats been looked after and you wont have any problems
#28
i have heard from loads of people tat have bought old cars that keep going for ever, gonna start saving up i think
#29
some old car just keep going and going cant kill em even if you try (and god knows ive tried to kill a few of my oh's accuisitions!!)

just to note Cluffy most 3rd party policies dont offer a no claims accumulation so you are goin to be in the same position the year after!! and surprisingly FC can be cheaper sometimes!!
[mod]#30
Glad i'm not 17 again. lol

My first ever insurance was £600 FC on a Golf GTi and i thought that was a rip off. :lol: Only pay a total of just under £300 for my 2 cars now. :-D
#31
4.5 grand to be insured on a nissan micra LOLOL. thats hilarious.
#32
my 1.1 106 was £1100 to insure when i was 17.
Definitely cheaper insurance available than £4500

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