Found 13th Aug 2016
Hi all,

I am 21 and looking for a car of my own. I have 2 years no claim bonus from my parents car. I am looking for a convertible/coupe/cabriolet/soft top etc. I have also looked at a classic car such as a MG midget, Triumph Spitfire and Triumph Herald. Any advice?

Insurance quotes for the classics have been about £400-£500 and more modern around £700. My budget is about £2500.

Thanks

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24 Comments

use autotrader search facility, you can narrow it down to budget convertible age etc and see what you like

Original Poster

discozohan

use autotrader search facility, you can narrow it down to budget … use autotrader search facility, you can narrow it down to budget convertible age etc and see what you like


I've used searches before, I was more looking at advice etc classic or modern? Best value?

A coupe is just a sleek two door car, not a model with a folding roof.

Don't buy a classic car unless you really like it. On something 40 years old there will be additional ongoing maintenance needed.

There's lots of choice and there are very few stinkers in the modern car market. An MX-5 or Astra/Megane/Focus convertible would be the safe choice but there are plenty of others.

classic or modern?

Asked a similiar question at your age and got told if you have to ask, look at MGTF very good value for what you get, failing that a MX5, prefer the TF, had one for 6 years and apart from a battery did not cost me a penny in repairs.

diahatsu cuore is pretty cool for the money or you cant go wrong with an mx5.

MX-5 all day long. You don't want a classic unless you want to spend more time fixing it than driving it. MX-5's are a lot of fun and the mark 1 Eunos is a bit less hairdressey than the following models.

Unless you were the main driver on your parents car you wont have 2 years NCB . As a named driver you do not qualify for NCB . I'd check that first .

Original Poster

Seems everyone is suggesting the mx5

how a 21yo with 2yrs NCB gets a quote lower than 30yrs old+ and more ncb especially for a classic? what am i missing?

MX5 anything newer then the mark 1, check it very carefully for rust, unless you are buying nearly new. I was shocked at how they suffer from it at the few I looked at. Apart from that they are pretty much bullet proof. I found the TF more fun to drive and sticks to the like glue, unlike the MX.

mattsokolinski

how a 21yo with 2yrs NCB gets a quote lower than 30yrs old+ and more ncb … how a 21yo with 2yrs NCB gets a quote lower than 30yrs old+ and more ncb especially for a classic? what am i missing?


I think the OP needs to double check his quotes and NCB before dreaming of buying a high insurance group car . Without the NCB (earned off parents car !!?) he would be looking at £1.5K + on this group of car for even third party insurance oO

MX5, go for an early mk1, they seem to be better built (body and metal work wise), don't worry about mileage, they will happily do 200k+, and they are relatively easy to work on with little experience. Just check for rust, as this is the killer for them, sills and arches, as long as it's not too bad, just make sure you budget in for a proper repair from an mx5 specialist, £200-300 per side.

rogparki

Unless you were the main driver on your parents car you wont have 2 years … Unless you were the main driver on your parents car you wont have 2 years NCB . As a named driver you do not qualify for NCB . I'd check that first .



​​​

​You can earn ncb as a named driver, it varies with insurance companies. Tesco will accept it, I know this for a fact as I did it a month ago.

craigstephens

​​​​You can earn ncb as a named driver, it varies with insurance compani … ​​​​You can earn ncb as a named driver, it varies with insurance companies. Tesco will accept it, I know this for a fact as I did it a month ago.



Admiral will let you transfer your no-claims bonus earned as a named driver onto another Admiral policy - but not to another company.

Are the quotes for classics on classic specific policies? If so check ncb stuff, some classic policies dont acrue ncb

lmog357

Seems everyone is suggesting the mx5



It's a popular car with the benefits that entails. Lots of second hand stock available so you can afford to be picky, plentiful parts and accessories, lots of help and knowledge available online if you want to do troubleshooting or maintenance yourself.

It's not without it's flaws. For example there's no diesel and the petrol fuel economy is nothing special so you'll only get 35mpg from it.

But it makes sense to consider the popular options, if only as a benchmark.

pigthemaster

diahatsu cuore is pretty cool for the money or you cant go wrong with an … diahatsu cuore is pretty cool for the money or you cant go wrong with an mx5.



I think you mean the Copen there, the Cuore was just a standard hatchback. The Copen is definitely a very cool looking car if you're a fan of Japanese styling and while Daihatsu have pulled out of Europe they are still going (and indeed, are making a second generation Copen) so part supply shouldn't be an issue.

The Ford Streetka and Renault Wind are two other purpose built small convertibles of recent years.

You really have to go and look at everything and see what suits you. You could decide to take your chance to own a Saab before they vanish outside of classic circles, or maybe fall in love with Citroen's rather impractical C3 Pluriel.

If nothing else it'll give you some idea of what you want and we can give you some more targeted suggestions.

One thing to bear in mind is that cars that were more expensive when new will tend to have more expensive parts so while a 15 year old £50k Mercedes may be a nicer car than an 8 year old car that was £15-20k when new you're also likely to pay more for servicing and more to fix it when it goes wrong.

Original Poster

mattsokolinski

how a 21yo with 2yrs NCB gets a quote lower than 30yrs old+ and more ncb … how a 21yo with 2yrs NCB gets a quote lower than 30yrs old+ and more ncb especially for a classic? what am i missing?


I used compare the market

mx5 for your budget. if u can afford abit more then a Honda s2000

Are you 100% sure you have 2 years no claims?
You don't normally get no claims for just being a named driver, even the insurer does it's not normally the full amount or restricted to the same insurer.

joedastudd

Are you 100% sure you have 2 years no claims?You don't normally get no … Are you 100% sure you have 2 years no claims?You don't normally get no claims for just being a named driver, even the insurer does it's not normally the full amount or restricted to the same insurer.



This. Your No Claims Bonus is incredibly likely to be invalid on this new car based upon what you have told us so far.

The co-op allow you to transfer ncd earned as a named driver but only to a policy with them.

Yeah agree with mx5, or if you want 4 seats, a renault megane.

Direct line the ncb for a named driver can only be used on a policy with them too. But whilst using it with them you then start earning a proper ncb (from 0) that you then could transfer.
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