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Car purchase + insurance advice Watch

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    Hello everyone

    So, I moved to UK 4 years ago.
    I am from Portugal and I love to drive. I have a car there and insurance is crazy cheap there.

    Since I was a student until June, it was unacceptable and impossible to buy a car, let alone pay insurance.

    I still see insurances crazy high, or maybe it's just me who doesn't know how to search properly?

    I saw I can get cars from £1k-£2k, to get adapted to UK's traffic and different side of the road.

    In January I will have my driving license for 5 years, and in September (next year) I will be 25 years old.


    At the moment I work full time. £23k/annum, so we are talking about £1500+/month. Thing is I pay rent, food etc and still like to take 300-500/month aside. Minimum of £300.

    What are your advices? I would really love to get a car

    Thanks
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    It'll be expensive because you won't have any no claims bonus here. I suggest getting a few insurance quotes on different cars to see what kind of insurance and car combination is affordable for you.
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    (Original post by NX172)
    It'll be expensive because you won't have any no claims bonus here. I suggest getting a few insurance quotes on different cars to see what kind of insurance and car combination is affordable for you.
    What I feared... :/

    How much roughly are we talking about?

    Which cars would be better for a good insurance?
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    (Original post by EBastos)
    What I feared... :/

    How much roughly are we talking about?

    Which cars would be better for a good insurance?
    How much it costs depends on your personal circumstances. You need to get a quote to find out exactly.

    Regarding which cars, you'll need to look at the insurance group of a car. The lower the insurance group is, the cheaper it'll be to insure. You can find out which group a car is in, using the link below:
    https://www.parkers.co.uk/car-insura...urance-groups/

    For low insurance groups (<10), you can see here.
    https://www.parkers.co.uk/car-insurance/cheap-cars/
    • Thread Starter
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    I see... so anything under 10 should be a "good price"?

    That "depends", are we talking £1k+ ? :/
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    https://www.autotrader.co.uk/classif...el=POLO&page=1

    Would this be "cheap" ?
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    (Original post by EBastos)
    I see... so anything under 10 should be a "good price"?

    That "depends", are we talking £1k+ ? :/
    Anything under group 10 should be affordable. but yes, it completely depends on you. Where you live, how many years of experience you have, how many miles you plan to do per year, how many years of no claims bonus, etc. I can't / noone can give you a number.
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    Compared to other cars, yes. But get a quote and find out
    • TSR Group Staff
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    You have the car reg for the polo. Do an online insurance quote through one of the aggregators.

    http://www.gocompare.com
    https://www.confused.com/
    https://www.moneysupermarket.com/
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    (Original post by NX172)
    Anything under group 10 should be affordable. but yes, it completely depends on you. Where you live, how many years of experience you have, how many miles you plan to do per year, how many years of no claims bonus, etc. I can't / noone can give you a number.
    I see, thanks
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    Whats a "standard" milage/year?

    10k?
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    (Original post by EBastos)
    Whats a "standard" milage/year?

    10k?
    Yes, if you plan to drive everyday.
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    Name:  Screen Shot 2017-11-07 at 15.17.05.png
Views: 19
Size:  153.6 KBIs this "Acceptable"?
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    (Original post by EBastos)
    Name:  Screen Shot 2017-11-07 at 15.17.05.png
Views: 19
Size:  153.6 KBIs this "Acceptable"?
    Depends on your area. But 25 y/o with 0 no claims and 5 years experience I would say that looks about right. Try going to some insurance companies that aren't on comparison websites, such as aviva and directline, they might be able to do it cheaper.
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    (Original post by NX172)
    Depends on your area. But 25 y/o with 0 no claims and 5 years experience I would say that looks about right. Try going to some insurance companies that aren't on comparison websites, such as aviva and directline, they might be able to do it cheaper.
    I will check those thanks

    I just want to drive so badly but insurance keeps "dragging" me
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    Wooooow.

    Aviva went crazy!

    Name:  Screen Shot 2017-11-07 at 15.33.32.png
Views: 14
Size:  38.0 KB
    • TSR Group Staff
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    Looks a good price to me.
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    (Original post by jfrench74)
    Looks a good price to me.
    You mean Bells's or Aviva? ahah
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    (Original post by EBastos)
    You mean Bells's or Aviva? ahah
    bear in mind the top 2 quotes in that screenshot require you to fit a blackbox. I'd recommend going with the 3rd option (Admiral) in that example.
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    (Original post by NX172)
    bear in mind the top 2 quotes in that screenshot require you to fit a blackbox. I'd recommend going with the 3rd option (Admiral) in that example.
    Isn't a blackbox a good thing?

    If I don't have problems that would reduce my insurance right?
 
 
 
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