Found 27th Feb 2011
I am currently thinking of buying a car as soon as my daughter passes her test. Probably wanting to spend 3-4000 ish. I dont know where to start. I quite like the Kia Picanto myself but I aren't driving it. Any help would be appreciated. Obviously I need one that is cheap for insurance.

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Banned

Nissan micra

Original Poster

slamdunkin

Nissan micra



I once saw a lad on a pushbike go through the back of a micra is was crushed like tin foil, he was not going fast either, put off them for life.

I had a Kia picanto from new in 2006 ( my mum has it now ) and was a great little car , jist wasnt practible with two kids, and no boot space , but economical wise there fab , really low insurance , tax and petrol deems to last forever , a lot lighter on the bank balance than the picasso i have now
....also my mum has never had to have anything done to the car since i bought it 5 yrs ago !

Ford ka or fiestas...

Vauxhall novas are well cheap on insurance hehe

Hi ya got two teenagers just driving and i would say to hold off spending that much to start off, i would say get a cheaper car maybe about a £1,000 as there sure to have a bump and when they have more experience get a upgrade then. As insurance is so high and will be higher with a more expensive car. But you want a small engine one most of the kids seem to have Peugeots, small Citroens C1 or C3 as they still have fuel, tax and mots and any bits that may go to fund after.

I've got a citroen c1, and ive been driving 3 years - and as its a new car insurance is still quite high - deffo get an older car for the first, my first car was a clio then i got a fiesta and my insurance started at the £600 mark, now its halved

Banned

The pre 2003 micra's where very flimsy but the 2003 onwards models get a 4star Ncap rating.

Will you be carring young children in the back? as N cap do specific ratings for these circumstances, which might influence your decision.
Edited by: "slamdunkin" 27th Feb 2011

Original Poster

slamdunkin

The pre 2003 micra's where very flimsy but the 2003 onwards models get a … The pre 2003 micra's where very flimsy but the 2003 onwards models get a 4star Ncap rating.Will you be carring young children in the back? as N cap do specific ratings for these circumstances, which might influence your decision.No children as it for my daughter when she passes her test. The car was definitely pre 2003 which I saw go like tin foil. I will certainly have a look thanks

Banned

who is going to the main driver (i.e the one driving the most!)?

if your daughter and she is a teenager, get a group 1 insurance as even then the insurance is going to be in the thousands!

Banned

Are your thinking of getting a super mini or something bigger like a fiesta size car?

Honda Jazz

Original Poster

slamdunkin

Are your thinking of getting a super mini or something bigger like a … Are your thinking of getting a super mini or something bigger like a fiesta size car?



Just something that is most reliable. And of course relatively good price. I don't want to spanding a lot less on a car and then for it to be always at the garage.

Banned

I think your number one factor should be the insurance!

who is going to the main driver (i.e the one driving the most!)?

Original Poster

csiman

I think your number one factor should be the insurance!who is going to … I think your number one factor should be the insurance!who is going to the main driver (i.e the one driving the most!)?



My daughter, Yes I know the insurance is going to be a lot but the cars I have been looking at are all category 3 insurance. Where we live it is not actually sky high for insurance.

Banned

bluebindy123

My daughter, Yes I know the insurance is going to be a lot but the cars … My daughter, Yes I know the insurance is going to be a lot but the cars I have been looking at are all category 3 insurance. Where we live it is not actually sky high for insurance.


If she is 17, then a group 3 car will still cost thousands to insure for her I reckon.

Banned

Cars that are cheap to insure

thisismoney.co.uk/bar…949


Top five cheapest cars to insure


Ford Fiesta – Some Fiesta's fall into the group 1 category, although a more high-spec one can get up to group 6. The Fiesta is a long-term popular car amongst young drivers and parts are amongst the most readily accessible of any vehicle.


Vauxhall Corsa – The basic one-litre Corsa falls into the group 1 category, and slowly rise up the groups the bigger the engine. Insurers like it because it is safe and cheap to fix.


Peugeot 206 – The lowest group the 206 falls into is group 2, but they can go up much higher depending on the performance. Stick with a lower range one and the insurance should be relatively cheap. It's another firm bargain driver favourite.


Renault Clio – The lowest group a Clio falls into is group 2, and again can steadily rise depending on the specification. If you want a cheap insurance car it fits the bill, just avoid the suped-up ones.


Fiat Punto – Newer Punto's fall into the group 3 category and are again popular amongst newer drivers. The older shape second hand cars were hugely popular and their ubiquity is reflected in cheap insurance.

Other group 1 cars:
- Chevrolet Matiz
- Citroën C1, C2 and C3
- Peugeot 107
- Skoda Fabia
- Suzuki Alto
- Toyota Aygo
- Toyota Yaris
- Vauxhall Agila
- Smart Fortwo Coupe



Read more: thisismoney.co.uk/bar…949
Edited by: "slamdunkin" 27th Feb 2011

Original Poster

slamdunkin

Cars that are cheap to … Cars that are cheap to insure[url=http://www.thisismoney.co.uk/bargains-and-rip-offs/motoring/article.html?in_article_id=510306&in_page_id=53949]http://www.thisismoney.co.uk/bargains-and-rip-offs/motoring/article.html?in_article_id=510306&in_page_id=53949[/url]




Thank you!

Banned

get a quote now for a group 3 car so as to avoid what a lot of people seem to have done lately in misc; buy a car then cant afford to insure it!

moneysavingexpert.com/ins…nce

Banned

slamdunkin

Cars that are cheap to … Cars that are cheap to insurehttp://www.thisismoney.co.uk/bargains-and-rip-offs/motoring/article.html?in_article_id=510306&in_page_id=53949Top five cheapest cars to insure Ford Fiesta – Some Fiesta's fall into the group 1 category, although a more high-spec one can get up to group 6. The Fiesta is a long-term popular car amongst young drivers and parts are amongst the most readily accessible of any vehicle. Vauxhall Corsa – The basic one-litre Corsa falls into the group 1 category, and slowly rise up the groups the bigger the engine. Insurers like it because it is safe and cheap to fix. Peugeot 206 – The lowest group the 206 falls into is group 2, but they can go up much higher depending on the performance. Stick with a lower range one and the insurance should be relatively cheap. It's another firm bargain driver favourite. Renault Clio – The lowest group a Clio falls into is group 2, and again can steadily rise depending on the specification. If you want a cheap insurance car it fits the bill, just avoid the suped-up ones. Fiat Punto – Newer Punto's fall into the group 3 category and are again popular amongst newer drivers. The older shape second hand cars were hugely popular and their ubiquity is reflected in cheap insurance. Other group 1 cars:- Chevrolet Matiz- Citroën C1, C2 and C3- Peugeot 107- Skoda Fabia- Suzuki Alto- Toyota Aygo- Toyota Yaris- Vauxhall Agila - Smart Fortwo CoupeRead more: http://www.thisismoney.co.uk/bargains-and-rip-offs/motoring/article.html?in_article_id=510306&in_page_id=53949#ixzz1FB2U9IXz


I would go for a Skoda Fabia out of those. Wouldnt touch anything French and Corsa will be pricey for a teenager imho

on MSE it said that insurance for women was going to increase a lot soon due to an EU ruling that charging more for mens insurance was discriminatory. I would also make insurance the deciding factor. I had a 1.3 k reg escort for my first car and still paid £1300

Banned

what occupation will your daughter be putting on the form? as occupation can really bump up a quote.

If you put student for instance the insurer knows that student car parks are a hot spot for car crime.

i would also choose the fabia from that list, basically a VW for less money and less to insure.

Original Poster

[quote=slamdunkin]what occupation will your daughter be putting on the form? as occupation can really bump up a quote.

If you put student for instance the insurer knows that student car parks are a hot spot for car crime.

She is student but will be working also, so I take it she doesn't put student down on the form?

Sloth/Mod

bluebindy123

[quote=slamdunkin]what occupation will your daughter be putting on the … [quote=slamdunkin]what occupation will your daughter be putting on the form? as occupation can really bump up a quote.If you put student for instance the insurer knows that student car parks are a hot spot for car crime.She is student but will be working also, so I take it she doesn't put student down on the form?



She needs to be honest as any discrepency could lead to the insurance being null and void in the event of a claim.

Banned

whats the other job title?

Banned

Highly unlikely Syzable....if she has another job then it should be fine to put it as occupation on the form.

Original Poster

slamdunkin

whats the other job title?



She will be working on a bar on a holiday camp, thats sound worse than a student when you think of it.

Banned

Bar staff also have high premiums

Original Poster

slamdunkin

Bar staff also have high premiums



She would probably better to say that she is a student after all then?

Sloth/Mod

slamdunkin

Highly unlikely Syzable....if she has another job then it should be fine … Highly unlikely Syzable....if she has another job then it should be fine to put it as occupation on the form.



I used to work for Budget and Pearl............you'd be amazed at the amount of claims that got thrown out for the most pedantic reasons.

ikube insurance for younger drivers, puts a tracker on the car though, but lowers the insurance massively, also do get your daughter to do pass plus. Everyones got to start somewhere

I owned a Skoda Fabia for a few years and thought it was a fantastic car. I had a 2001 1.9TDi Comfort version, I found there was plenty of room for everyone in the car, the mpg was around the 50's on a motorway (sometimes even hitting the 60's!) and about 40 around town. The boot was a decent size and would no doubt hold many a shoe box or twenty when your daughter goes shopping at weekends. It didn't let me down at all mechanically and all the parts that wore out over time were reasonably priced, for example the tyres were a standard size and so cheap to get hold of. I only had to give it up because of a bad left leg meaning I can't use a clutch pedal which has now ended up as being diagnosed as a very rare disability, otherwise I would've kept it.

Also, there is a good community of Skoda owners on [url]www.briskoda.co.uk[/url] whom you can ask any questions about a particular version of Fabia that you've seen and like.

Toyota Yaris
Ford Fiesta/focus/ka
Honda Jazz
VW Lupo
Seat Arosa

Couldn't tell you if any of them are any good just that they are in your budget (maybe not the Jazz) and cheap to insure.

Hyundai Getz is a good little car, very reliable and cheap to run.

for my 17 year old son i had to put it all in my name for his peugoet and its a 1600 and move my full no claims this car and out him on it which was 750.00 minus 70 quidco with aviva and take my no claims off my car. which put mine up 60.00. But all legal and its fully comp. and as close to the end of my insurance i now have 1 year again myself, and still a lot cheaper than some. On his own its 3,000 lol.
So had to be done this way, and off to uni sept and wont need car so building his own no claims was pointless for him at the moment. Its mad the prices to get them on the road.
I know many friends use no claims on both cars but bit dodgy if had to claim.

Banned

How is that different to insurance fronting?

slamdunkin

How is that different to insurance fronting?



It isn't different, it is fronting.

IMO out of these Toyota yaris, vw polo, skoda fabia.

Banned

I was giving DEbs the benefit of the doubt as she said it is legal, so perhaps she has an insurer who allows what she is doing.
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