Cars

[Tom]

I pay £750 a year with 7 years no claims fully comp :/

 

[mank]

Originally posted by Xtro 2.0
jesus mine is £800 and thats third party. See what accidents do to your insurance

heh, he's never had an accident and the car's worth barely £1K now so it's fuck all really.

tom, explain to me the difference (moneywise and otherwise) between being a named driver and insuring it for myself? I don't understand it all quite yet ;p

 

[Jonaldo]

Originally posted by mank
Jonaldo, explain to me the difference (moneywise and otherwise) between being a named driver and insuring it for myself? I don't understand it all quite yet ;p

You won't gain any no claims bonus with the insurance company if you're named on someone elses insurance.

 

[mank]

Do I not want those for the future :<

 

[Jonaldo]

You get money off your insurance if you don't claim. This is your 'no claims' bonus

You do want it. But he's saying as you're more likely to have an accident and claim on your insurance in the first couple of years of driving, why not save money and get a parent to insure you and just miss out on two years 'no claims'.

Got a feeling you already knew everything I just said and I just mis-interpreted your post but oh well it's not a bad idea but then some just get a crap car for cheap insurance to start with.

 

[Rubber Bullets]

Basically insurance policies cover a car for those drivers mentioned on the policy, (there are some 'any driver' policies but these are not designed for private car users).

The insurance companies assume that the main driver, i.e. the one in whos name the policy is taken out, is the one who will be driving the car most of the time. They will also, at extra cost, add other people to the policy, but they require full details of each driver (length of time licence held, convictions etc).

If you insure a car in your own name then it will be obvious to them that you will be the most likely driver of the car and therefore load the premium.

Unfortunately getting your father to insure the car and have you as a named driver is likely to work. It is very difficult to get the no claims discount that he has earned on both cars, therefore on the second car he will be paying the full premium, and thats before he even adds you on. Te companies are well aware of these schemes to limit the costs of young peoples insurance and will know that you are likely to be driving the car mostly anyway. It will still be expensive.

Your best bet is to go with your original thinking and buy a VW Polo or something similar; small engine, lower risk and insure yourself 3rd party, to build up your no claims discount. Things will get better.

There used to be a scheme whereby you could do a bit of extra driving tuition and get lower premiums, dunno if this still runs but may be worth a look.

Toms idea may look attractive, but it is not the best way to go for your first car, at your age. You would struggle hugely to get anyone to insure you on a BMW or Merc and if anything did go wrong then repairs would finacially cripple you.

Hang in there, it does get better. I am paying £313 fully comp for my 2.8 litre VW Golf, tho I am very old .

RB

 

[mank]

Thanks for that RB, much appreciated.

I've got another couple of months before I'll be ready for my test really, I'm just trying to get stuff organised in my head so I'm ready to get a car once I've passed.

ta for the help people

 

[Mr^B]

Get a small shit car nothing bigger than a 1.2

If you start in a large car, you are far more likely to be tempted to drive too fast, and also the insurance will be crippling.

Also, the chances of a decent, large car costing less than £2k lasting over a year without needing £1k's worth of work is "minimal"

Get a small, cheap, COMMON car, which is easy to service/find parts for:

fiesta/polo/corsa/saxo that sort of thing - I know they're shit, that's the whole point of motoring, you have to own a shit car to REALLY appreciate a good car.

Bite the bullet with your OWN insurance and start building up your no-claims.

 

[mank]

I've been looking mainly at Corsa's and Polo's and tbh I quite like them.

 

[PR.]

Insurers are getting wise on this named driver thing, they will look into who drives the car the most and if its found your the main driver they won't cough up. One of my cousins had this and it took a whole lot of messing around to fix it.

Did I say I recommend a Seat Ibiza your typical first cars have higher insurance.

Didn't someone ask this question recently? There were come good answers in that thread

 

[mank]

I've seen a couple of Seat Ibiza's actually, they look nangarang!

 

[Trem]

Actually Mankz0r, Samm is selling her Saxo 1.1sx, P reg, 50'000 miles, full service history, shes the only owner since new apart from the dealer before that. Its surprisingly nippy and its about group 3 on the insurance. £1800 to you and I will bring it to ya

 

[dysfunction]

www.trade-sales.co.uk

 

[xane]

Originally posted by Xtro 2.0
That means fuck all though mate doesn't it? There are more than enough retarded nutters out there who will do you the honour of smashing THEIR car into yours.

This is so true. Only experience will allow you to avoid them, and some just can't be avoided.

I recall my old school mate getting his first car, a beautiful gold coloured Capri, lovely car, until some moron ran the lights and smashed into the side of it.

Not my mate's fault, but he admitted that with more experience he would have seen it coming and maybe avoided it or reduced the damage.

 

[Durzel]

Originally posted by Mr^B
Get a small shit car nothing bigger than a 1.2

If you start in a large car, you are far more likely to be tempted to drive too fast, and also the insurance will be crippling.

Also, the chances of a decent, large car costing less than £2k lasting over a year without needing £1k's worth of work is "minimal"

Get a small, cheap, COMMON car, which is easy to service/find parts for:

fiesta/polo/corsa/saxo that sort of thing - I know they're shit, that's the whole point of motoring, you have to own a shit car to REALLY appreciate a good car.

Bite the bullet with your OWN insurance and start building up your no-claims.

This is definitely good advice.

I wish I'd done this when I was young, instead I ended up buying all fast cars (a 2.0 Mk2 Astra GTE was my first car). All of the cars I've driven with the exception of my current car were all insured in my Dads name, with me as named driver. Consequently, I'm now 25 with 0 NCB - and I have 0 claims/0 convictions. I'm paying £1400 a year now on my Civic Type-R, very painful.

Resist the temptation to buy something fast - the cost benefits from 2-3 years NCB will mean when you're older you will be able to get something insanely quick if it takes your fancy, and not pay a mortgage on the insurance.

 

[mank]

Originally posted by Trem
Actually Mankz0r, Samm is selling her Saxo 1.1sx, P reg, 50'000 miles, full service history, shes the only owner since new apart from the dealer before that. Its surprisingly nippy and its about group 3 on the insurance. £1800 to you and I will bring it to ya

Give me a couple of months and I might have taken you up on that! Not much point getting a car right now because it'll only sit on the drive unused for a couple of months paying tax on it :/

thanks anyway bud!

 

[SoWat]

A bird in the hand gathers no moss etc.

Sounds like an ok deal... plus you get to polish it for 2 months

 

[mank]

Yes, but I'm either paying tax on it for two months or risking getting in the shit for having an untaxed car sat on my driveway aren't I?

 

[SoWat]

if it's a proper driveway, i.e. on your property, you don't need a tax disc. If it's parked on the roadside you will.

My eldest daughter has not long acquired a Saxo, and I have to admit it's a nice little motor.

 

[mank]

hmmm, I'll consider this and consult my parents about it... I don't think they've got the money atm cos they're doing the kitchen up but I'll see. I'll get back to you Trem mate.

 

[Trem]

Ok chum, no worries either way. All I can say is there is nothing at all wrong with it, shes had it for nearly 7 years now and she has just got a Discovery because of all the dog shows she goes to, thats the only reason its being sold.

 

[Rubber Bullets]

Originally posted by SoWat
if it's a proper driveway, i.e. on your property, you don't need a tax disc. If it's parked on the roadside you will.

This isn't true as far as I know, Woolfeh would know for sure. If a car is not taxed, but parked on private property it needs a certificate, also issued by the DVLA, to say that it is officially off the road.

I know of someone who had a motorbike inb their garage untaxed and unused, some guy from te DVLA turns up, all polite and asks if he owns this bike, and can he see it. The guy says yes, and takes him into the garage at which teh DVLA guy slaps a fine on it.

Basically they only have your word to say that it isn't being driven, and with people being people why should they take anyones word for it?

RB

 

[old.milou]

Statutory off Road Notification (SORN) applies to any vehicle taxed on or after 31 January 1998. A declaration must be made by the vehicle's keeper whenever the licence is not renewed or is surrendered for refund. Keepers acquiring untaxed vehicles must license them or declare SORN if they are kept "off road". If your vehicle was not taxed on 31 January 1998 (i.e. classic cars, vehicles stored away for restoration, etc), you do not need to take any action until it is next taxed.

Keepers have to provide a SORN declaration which advises DVLA that the vehicle is neither used nor kept on a public road and is therefore not liable to vehicle excise duty. In the majority of cases this declaration will be made on the tax renewal reminder form ((V11/ V85/1)) issued by DVLA.

Failure to make a SORN declaration is a criminal offence carrying a fine of up to £1000 or five times the annual rate of duty of the vehicle, which ever is the greater. A false declaration that a vehicle is off the road will risk prosecution and a maximum penalty of up to £5000 and two years imprisonment.

http://www.dvla.gov.uk/vehicles/vehlicnc.htm

/end civil service mode

 

[SoWat]

So... like I said, it doesn't need a tax disc!

A SORN doesn't cost anything, though I should have mentioned that.

I would personally tax and insure it, and go for drives with a full license holder.

 

[Tom]

Saxo rates quite poorly on NCAP tests, but saying that, I bet a lot of 'older' small cars have similar results.

 

[Durzel]

Plus its French.

 

[SoWat]

Christ, when I think of my first car (6 volt Beetle) I reckon I would have come off worst if I'd hit a stiff breeze.