[419]

How much will a golf gti demand and how much will insurance cost for a new driver?

[Dreamweaver]

(Original post by 419)
How much will a golf gti demand and how much will insurance cost for a new driver?

Don't buy a Golf GTI as a first car lol. 90% of insurance companies won't insure you or will give you ridiculous quotes. If you like VW's go for a Polo or a Lupo.

[Student9]

I have just passed my driving test (success!), im 21 and have a budget of £5000 (for both a car and the insurance). I need help!! an example of a car i like is a 1.4l 3dr astra, but insurance seems too high (???)
any and all help and advice on possible cars and cheap insurance companies would be much appreciated.
Thanx all

[Maccees]

By 21 you should be able to get classic car insurance, if you fancy a classic car? (Insurance on classic cars is low, we're talking £250 haha)
I'll let JC talk to you about it...

[Student9]

I did hear about that, but wasn't too fond on cruzzing around in some old mini lol

[Maccees]

Not just old minis old Jags, Porsche etc...

[star10]

Whats the cheapest car for insurance, dont mention any 1.0l cars. Also if is there a possibility of getting a joint policy insurance with my dad would the cost be reduced? (not as named driver)

[Aky786UK]

(Original post by Aky786UK)
I'm possibly in the process to buy a car. I've come across a Toyota Yaris, 53 plate, 1litre, which has done 26,000 miles. Not that I'm an expert but the mileage seems low, but I've been offered it for £900. It seems ideal for me as a first car and insurance may not be the cheapest but it's got to be cheaper than the Vauxhall Astra I was potentially looking at few weeks ago. Thoughts?

I've been informed that the above car was written off, category C (don't know when exactly). A possible reason why the mileage is low? It's going for an MOT tomorrow so see how it goes.

[SillyEddy]

Why not a 1.0L car?

Some of the cheapest cars to insure are also the newest. Such as Group A releases from the past few years. Not cheap to buy, but cheaper to insure. You'd be looking at around £2200 to insure your first car if it's generic 4-6 year old car with a relatively small engine.

I'm not sure what you mean by the second bit. You want him on your insurance, or you want to be on his insurance? Who is the main driver and who is the named driver?

[hypercaine.]

Look up insurance groups, the lower the insurance group number the cheaper the insurance is. Your issue is that theyre pretty much all 1.0L - the smaller the engine the cheaper the insurance.
You can be the main driver and him the named driver if thats what you mean? That should bring down the costs.

[star10]

(Original post by SillyEddy)
Why not a 1.0L car?

Some of the cheapest cars to insure are also the newest. Such as Group A releases from the past few years. Not cheap to buy, but cheaper to insure. You'd be looking at around £2200 to insure your first car if it's generic 4-6 year old car with a relatively small engine.

I'm not sure what you mean by the second bit. You want him on your insurance, or you want to be on his insurance? Who is the main driver and who is the named driver?

Thanks for the reply, thats some useful info.
could you mention me some of the group a releases from the past few years, it would help me narrow down my search.

thanks

[star10]

(Original post by hypercaine.)
Look up insurance groups, the lower the insurance group number the cheaper the insurance is. Your issue is that theyre pretty much all 1.0L - the smaller the engine the cheaper the insurance.
You can be the main driver and him the named driver if thats what you mean? That should bring down the costs.

What I mean is is there a policy out there which means father and son have a joint policy?, named driver would be me but I would drive the car more and that's 'fronting' so I'm not going to bother with that.

What if I'm the main driver and my dad is 'named driver', will that make a difference or reduce the cost?

thanks

[star10]

I looked at a 'VW POLO E 2001 5dr 999cc 1.0l' I was getting quotes for around 4-8k.
Some newer or older car suggestions would be helpful, what about a 2005 fiat punto 1.2l?

[SillyEddy]

(Original post by star10)
Thanks for the reply, thats some useful info.
could you mention me some of the group a releases from the past few years, it would help me narrow down my search.

thanks

Scroll down, and you can see all 50 vehicle insurance groups

Group 1 is the lowest to insure and Group 50 are the most expensive.


You will find that Group 1 cars will generally be small engined cars, around that 1.0L mark. I still don't see why you'd be concerned about the size of the engine.


Also look at the vehicle tax group, which goes from Group A up to Group F or so. It's to do with the emissions produced by the car. Group A pay no tax and Group F will pay the most. Newer cars will generally trend to a lower group, as the engines become more efficient. A smaller engine, or a diesel, will often be at a lower tax group. You really shouldn't be fussed about the size of the engine though.

[KasanDude]

I've had my car for almost a year now but I only just stumbled onto this thread so here goes.

I got my license at age 18 (czech republic), drove my parent's car for about a year. Then, as I moved out, I was gifted with a 2006 Alfa Romeo 147 1.9 jtdm for around 5000 pounds with 89000 km under its belt. Insured in the czech republic for third-party for around 300 pounds. Spent heart-braking amounts of my savings fixing things like the EGR valve (which broke, conveniently, just as I drove from the dealership), the front brake pads and bought new tires. After a year, add to that list the following: rear brake pads, rear alignment, fuel filter (the diesel in the filter at one point), oil change and new front windscreen after a stone aimed for my head and missed. Clutch is starting to feel like it's ready to die, so fingers crossed it does so before I leave the house. It's coming up on service time as well, which means new timing belt (yay!).

Lesson for you? Unless you're a die-hard petrolhead, go for something german...

[star10]

Narrowed down the two cars im most likely to get. Either a yaris or an aygo 1.0-1.2l, reliable..

What do you think?

[KasanDude]

(Original post by star10)
Narrowed down the two cars im most likely to get. Either a yaris or an aygo 1.0-1.2l, reliable..

What do you think?

Aygo, purely because top gear used it for car football.

In all seriousness, I think you'd be happy with either car, IMO. Depends on what you'd use them for. The Aygo is smaller so better for parking (btw, they dont do a 1.2 engine for it, its just a 1.0 3-cyl), the Yaris will more things like luggage, people, etc.

What years were you looking at? What engine for the yaris?

[star10]

Probably a 1.2 BUT a 5 door car

[Herr]

(Original post by KasanDude)
I've had my car for almost a year now but I only just stumbled onto this thread so here goes.

I got my license at age 18 (czech republic), drove my parent's car for about a year. Then, as I moved out, I was gifted with a 2006 Alfa Romeo 147 1.9 jtdm for around 5000 pounds with 89000 km under its belt. Insured in the czech republic for third-party for around 300 pounds. Spent heart-braking amounts of my savings fixing things like the EGR valve (which broke, conveniently, just as I drove from the dealership), the front brake pads and bought new tires. After a year, add to that list the following: rear brake pads, rear alignment, fuel filter (the diesel in the filter at one point), oil change and new front windscreen after a stone aimed for my head and missed. Clutch is starting to feel like it's ready to die, so fingers crossed it does so before I leave the house. It's coming up on service time as well, which means new timing belt (yay!).

Lesson for you? Unless you're a die-hard petrolhead, go for something german...

I owned an Alfa Romeo 147 some years back, it never broke down or had anything on it go despite it getting a thrashing every single time it was started up........you know it's hard to control yourself when you have a 3.2l car

Obviously some parts are going to cost money on such a car, it isn't any normal car on the road.

You think a German car would be any different? You always buy a car on it's condition and maintenance history not the nationality of it's manufacturer.

[Herr]

(Original post by star10)
Narrowed down the two cars im most likely to get. Either a yaris or an aygo 1.0-1.2l, reliable..

What do you think?

Are these cars brand new?? If it is a brand new one you're putting money into then get the Yaris.

Reliability, both cars would do just fine, mind you if ever something on a Toyota breaks the parts isn't cheap to replace