Insuring a Range Rover Evoque at 18. Help !

Out of curiosity, what percentage of your income (after tax) are you planning to spend on this car per month?

You've been told porkies by your dealer. You'll be charged through the nose for any damage not documented. PCP on a used car is a bad idea, and most financial experts would agree (Martin Lewis specifically) - used car PCP doesn't come with dealer contributions and the interest is sky high, along with the other drawbacks of PCP it makes it a bad deal.

Tone your attitude down, you're not even 18 yet, consider whether this is the right car for you.

I asked the question as i know it isnt the exact same process insuring a high end car such as the evoque, i understand you all may think that i am trolling but i dont see how it is so un achievable when it is merely 250 per month to finance such vehicle. £250 a month on finance is very affordable when you work hard and have a good job. But i mean if you all want to think im lieing then think that

I'm not going to call troll and claim this is not achievable, I could probably finance an Evoque too, but the interest would be through the roof and I'd probably need a good 5k+ deposit easily to finance one at 250 quid a month (taking into account interest). And even then I still wouldn't do it because any Evoque I'd find at that price would be lucky to find in mint mechanical condition and most likely need the timing chain changed, which is a common Range Rover fault and is not cheap to deal with, it's pretty common that people will PEX their range rovers the second they know it's coming. That + gearbox issues that might ever arise on a RR will absolutely fist your savings to death. Do yourself a favour, get yourself a nice cheapish low end of high mileage 10 year old BMW/Merc, enjoy it, and save for a house while you still can. The Evoque isn't even that nice to drive compared to the sport.

However the concept of insuring an Evoque or a Micra is the exact same. You just have to dig far deeper to find insurers which isn't exactly difficult, google can do that, because it'll simply be insurers not on comparison sites and the option to take the hit and have a high all sections XS instead of a high premium is always on the table. To be fair, if you can afford an evoque and the insane road tax and maintenance costs that come with it, you can definitely afford to insure it.

Cash only with my cars. I would never dream of lashing out £11,500 or more on a car.

It won't get me from A to B any quicker in the UK, nor in any more safety, nor comfort, nor more reliably than the right type of £1k to £4k car.

All it will do is look nicer / more fashionable / newer on the outside. None of which I care about.

And as for cars attracting the opposite sex, my girlfriend would (quite rightly) be very annoyed if I were to spend over £5k on a car.

I'm not going to call troll and claim this is not achievable, I could probably finance an Evoque too, but the interest would be through the roof and I'd probably need a good 5k+ deposit easily to finance one at 250 quid a month (taking into account interest). And even then I still wouldn't do it because any Evoque I'd find at that price would be lucky to find in mint mechanical condition and most likely need the timing chain changed, which is a common Range Rover fault and is not cheap to deal with, it's pretty common that people will PEX their range rovers the second they know it's coming. That + gearbox issues that might ever arise on a RR will absolutely fist your savings to death. Do yourself a favour, get yourself a nice cheapish low end of high mileage 10 year old BMW/Merc, enjoy it, and save for a house while you still can. The Evoque isn't even that nice to drive compared to the sport.

However the concept of insuring an Evoque or a Micra is the exact same. You just have to dig far deeper to find insurers which isn't exactly difficult, google can do that, because it'll simply be insurers not on comparison sites and the option to take the hit and have a high all sections XS instead of a high premium is always on the table. To be fair, if you can afford an evoque and the insane road tax and maintenance costs that come with it, you can definitely afford to insure it.

Why would you even want an evoque is my question.

They are a bit of a WAGs car though.

Hi Guys

Yeah you probably have read the title and thought, keep dreaming but i am getting a range rover evoque and getting rid of my corsa.

As you may expect, i am finding very little insurance companies to insure the car, besides the one i can see on compare the market websites, are there any that wont appear on the comparison site?

Thanks

J

Evoques are class, so much better looking than the big version.

each to their own i guess

Idk why everyone is ******** on you. You would get a higher interest rate if you were getting the loan by yourself but as your mum is the guarantor it’s be a lot more reasonable which I have seen mentioned by you

An evoque isn’t out of the question at 18 but is afar from what people are used to being little 1.0 fiesta and 1.0 nandowagons so it’s understandable most people are out of their depth on this matter. I know someone who has an RS4 at 18 and pays a small amount every month as he put a hefty deposit down from his own savings.

Regarding insurance, you will have to ring around as most online quotes will be a little off to what they could actually offer you. I would imagine you have 1 years ncb from the corsa so that would help you but you may need to shop around. Another thing you could try is finding a Range Rover or evoque forum where you can get a percentage off your insurance if your a member. I don’t think there are any but it wouldn’t hurt to look

Obviously it would be more responsible to buy a shitbox and save your money but hey you only live once so you may as well spend on things you like. Just don’t over leverage yourself and make sure you can afford the payments and any maintenance the car may need. As your buying from the dealer, they would offer their own warranty but I would shop around for another warranty that would cover common problems. It could save you a bit of money further down the line.

Otherwise enjoy the car if you do buy it and make sure to test drive it beforehand or if the dealer won’t let you then look at hiring one for a weekend so you are 100% decided on the car

Please tell me how he got insured on a RS4!! I made a deal dependent on grades to be allowed to drive a car, but its insurance group is 46 and no ones willing to insure me until 20, by which point the car will be long gone.

You can get insured on whatever you want it’s just a matter of how much you’re going to pay. I’m looking at an M3 which is group 43 for insurance and I was getting quotes for around £4.8k so I’m assuming a group 46 would be in the region of 5k . I have two years no claims which might make a difference but I’m still only 19 so idk but either way you can still insure your RS4 or whatever else but just be prepared to pay the price to play with big boys toys.

You can get insured on whatever you want it’s just a matter of how much you’re going to pay. I’m looking at an M3 which is group 43 for insurance and I was getting quotes for around £4.8k so I’m assuming a group 46 would be in the region of 5k . I have two years no claims which might make a difference but I’m still only 19 so idk but either way you can still insure your RS4 or whatever else but just be prepared to pay the price to play with big boys toys.

Idk why everyone is ******** on you. You would get a higher interest rate if you were getting the loan by yourself but as your mum is the guarantor it’s be a lot more reasonable which I have seen mentioned by you

An evoque isn’t out of the question at 18 but is afar from what people are used to being little 1.0 fiesta and 1.0 nandowagons so it’s understandable most people are out of their depth on this matter. I know someone who has an RS4 at 18 and pays a small amount every month as he put a hefty deposit down from his own savings.

Regarding insurance, you will have to ring around as most online quotes will be a little off to what they could actually offer you. I would imagine you have 1 years ncb from the corsa so that would help you but you may need to shop around. Another thing you could try is finding a Range Rover or evoque forum where you can get a percentage off your insurance if your a member. I don’t think there are any but it wouldn’t hurt to look

Obviously it would be more responsible to buy a shitbox and save your money but hey you only live once so you may as well spend on things you like. Just don’t over leverage yourself and make sure you can afford the payments and any maintenance the car may need. As your buying from the dealer, they would offer their own warranty but I would shop around for another warranty that would cover common problems. It could save you a bit of money further down the line.

Otherwise enjoy the car if you do buy it and make sure to test drive it beforehand or if the dealer won’t let you then look at hiring one for a weekend so you are 100% decided on the car