Shall I sell my car? please help :( Watch

em9904
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I know this was a stupid decision on my part so now that that's out of the way--

I passed my test in March, got roped into getting a car-- Vauxhall Corsa 2008 diesel 1.2 for £1100 (stupidly didn't check the insurance price before buying). It has alloy wheels. I don't care about what wheels it has, I'm not a car enthusiast and honestly, as you can probably tell from this post, I don't know a thing about cars.

I've gone through insurance brokers and it's still too high-- I've looked on money supermarket and the cheapest insurance is £3300 (I've played around with everything), however, the companies giving these quotes don't insure cars with alloy wheels.

Can I switch to standard wheels? If so, how much would that approximately cost? Shall I tell the insurers I'm switching? I can't sell the car because it's uninsured and has no road tax so I don't know how potential buyers would test drive/drive it back. I don't know if getting insurance and just driving the thing for a year will work out better than selling it.

I know I've made a huge mistake and I regret ever passing. I don't know what to do and I don't really have anyone who can help me out with this. I honestly just wanna burn the goddamn car.

Can someone please give me some advice? Thank you!
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hello_shawn
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Do you need to drive (for your job)? If not, learn to live without driving, find other ways to get to work, and save up for the insurance
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KiwiBanana22
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Wow, I thought insurance for young drivers was about £900. That quote sounds so high. If you can get around without your own transport and this is causing you aggro, I suggest you advertise it for sale. Odds of someone crashing it on a short test drive are low, and it would be the drivers responsibility anyway, not yours.
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em9904
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hello_shawn KiwiBanana22 Thank you for your suggestions (: I don't necessarily need the car, however, my mum doesn't want me to sell it now that I have bought it (she's willing to pay for the insurance (only child perks ah) but I've obvs said I'll pay her back).

I just wanted to know if anyone knew anything about the wheels-- can I just swap to standard and it therefore won't be considered a modification or is that not possible? Also, with the whole selling it, I haven't even registered the car to my name yet so I don't know how I would go about selling it. Would I need to register it, get road tax and maybe a days insurance so the person can drive it back or what?

If anyone can help with that, I would be v thankful!
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classic3296
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Can you remove the declaration of the alloys in your quote and tell me what price you get

It seems to me your getting worked up over a minor issue but you can swap the alloys to standard wheels.

Take a look on ebay, gumtree or facebook marketplace for corsa D alloys+tyres. If your not sure which ones are factory alloys, take a look at some pictures of the corsa D online and youll quickly figure it out. Prices will tend to be between £120 - £200 but just make sure they are not bent.

If you can't/don't want to do that then head down to a garage and tell them that you want a set of corsa d alloys with wheels and get a quote from them. Shop around if you want to but they will source their alloys from stock that they have or from a scrapyard so with the prices from ebay you should have a price in mind to make sure they aren't ripping you off
(Original post by em9904)
I know this was a stupid decision on my part so now that that's out of the way--

I passed my test in March, got roped into getting a car-- Vauxhall Corsa 2008 diesel 1.2 for £1100 (stupidly didn't check the insurance price before buying). It has alloy wheels. I don't care about what wheels it has, I'm not a car enthusiast and honestly, as you can probably tell from this post, I don't know a thing about cars.

I've gone through insurance brokers and it's still too high-- I've looked on money supermarket and the cheapest insurance is £3300 (I've played around with everything), however, the companies giving these quotes don't insure cars with alloy wheels.

Can I switch to standard wheels? If so, how much would that approximately cost? Shall I tell the insurers I'm switching? I can't sell the car because it's uninsured and has no road tax so I don't know how potential buyers would test drive/drive it back. I don't know if getting insurance and just driving the thing for a year will work out better than selling it.

I know I've made a huge mistake and I regret ever passing. I don't know what to do and I don't really have anyone who can help me out with this. I honestly just wanna burn the goddamn car.

Can someone please give me some advice? Thank you!
Last edited by classic3296; 1 month ago
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em9904
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(Original post by classic3296)
Can you remove the declaration of the alloys in your quote and tell me what price you get
That is the quote without having declared the wheels. With the wheels, it's like 5 grand+ which is obviously way too high.

I didn't see your entire message before, sorry-- ah yeah, I'm a naturally anxious person so I know in all likelihood I'm just overreacting and it's not the end of the world but it's just become a big headache. That's what my next plan is, I think. Selling it would be too much of a hassle so I think I'm gonna swap to standard wheels and then sort the insurance out. Thank you for the help! (:
Last edited by em9904; 1 month ago
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IWMTom
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(Original post by em9904)
I know this was a stupid decision on my part so now that that's out of the way--

I passed my test in March, got roped into getting a car-- Vauxhall Corsa 2008 diesel 1.2 for £1100 (stupidly didn't check the insurance price before buying). It has alloy wheels. I don't care about what wheels it has, I'm not a car enthusiast and honestly, as you can probably tell from this post, I don't know a thing about cars.

I've gone through insurance brokers and it's still too high-- I've looked on money supermarket and the cheapest insurance is £3300 (I've played around with everything), however, the companies giving these quotes don't insure cars with alloy wheels.

Can I switch to standard wheels? If so, how much would that approximately cost? Shall I tell the insurers I'm switching? I can't sell the car because it's uninsured and has no road tax so I don't know how potential buyers would test drive/drive it back. I don't know if getting insurance and just driving the thing for a year will work out better than selling it.

I know I've made a huge mistake and I regret ever passing. I don't know what to do and I don't really have anyone who can help me out with this. I honestly just wanna burn the goddamn car.

Can someone please give me some advice? Thank you!
Why are you declaring the wheels as a modification? Do you know they were a modification? Have you checked with Vauxhall?
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PTMalewski
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(Original post by em9904)

Can I switch to standard wheels?
Buy steel wheels (shold cost as much as a tank of gas), get the tires put to those, sell the alloys and you'll earn money on it.

(Original post by em9904)
That is the quote without having declared the wheels. With the wheels, it's like 5 grand+ which is obviously way too high.
Yeap, the UK insurance companies are an effective scam. 3/4 of Europe, companies don't even ask if you have alloys or any mods.
Last edited by PTMalewski; 1 month ago
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Muttley79
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(Original post by em9904)
hello_shawn KiwiBanana22 Thank you for your suggestions (: I don't necessarily need the car, however, my mum doesn't want me to sell it now that I have bought it (she's willing to pay for the insurance (only child perks ah) but I've obvs said I'll pay her back).

I just wanted to know if anyone knew anything about the wheels-- can I just swap to standard and it therefore won't be considered a modification or is that not possible? Also, with the whole selling it, I haven't even registered the car to my name yet so I don't know how I would go about selling it. Would I need to register it, get road tax and maybe a days insurance so the person can drive it back or what?

If anyone can help with that, I would be v thankful!
Are these the original wheels? If so there should not be an issue - many cars have alloys as standard. Have you added a parent as an additional driver?
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classic3296
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Do the wheels have the Vauxhall logo on them or are they aftermarket (meaning they were bought separately for the car). If they have the logo on them then they should be fine as they are the standard Vauxhall’s alloys and you won’t need to declare them


(Original post by em9904)
That is the quote without having declared the wheels. With the wheels, it's like 5 grand+ which is obviously way too high.

I didn't see your entire message before, sorry-- ah yeah, I'm a naturally anxious person so I know in all likelihood I'm just overreacting and it's not the end of the world but it's just become a big headache. That's what my next plan is, I think. Selling it would be too much of a hassle so I think I'm gonna swap to standard wheels and then sort the insurance out. Thank you for the help! (:
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IWMTom
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(Original post by classic3296)
Do the wheels have the Vauxhall logo on them or are they aftermarket (meaning they were bought separately for the car). If they have the logo on them then they should be fine as they are the standard Vauxhall’s alloys and you won’t need to declare them
Not necessarily the case. What if someone bought alternative Vauxhall alloys for the car? It would still deviate from original spec.
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StriderHort
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Yeah there's like 20 different Corsa D factory spec variants...and all but like the 5 crappest of them have alloy wheels as STANDARD. (Club, Design, Expression, Life & 'S') and even then Club & Design can still get factory option ones. (Source: Parkers)

As a few others have said, have you claimed these alloys as MODIFICATION to the car? If so, yeah your quote will skyrocket and only some specialist insurers will allow it (even more so for new drivers).....but for factory ones? you shouldn't have to specifically mention them, tbh an insurer who refuses to insure anything with alloy wheels isn't going to get a hell of a lot of business since 90% odd of cars have them? (they already know when you give the reg)

For reference the quotes for my 07 Corsa D w/factory alloys was £1100 as a new driver (they're not directly comparable though, too many varying factors, for one i'm a bit older)


When it comes to selling private, tax and insurance aren't really your problem, it's the buyers obligation to do these things before they drive the car away, if you want to test drive a private car, you need to insure yourself for it. Traders with commercial insurance are covered to let randoms test drive their cars, private drivers generally aren't (And i would NOT let someone test drive a car i was selling uninsured, uh uh). Not being able to take them for a demo drive or move the car yourself is whole different matter.
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RoyalSheepy
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I suspect you’re declaring something you shouldn’t be by your post.

Do you know for a fact that the wheels didn’t come from factory like that? If you like, you can post a picture of the alloys, you think are non-standard, and exactly what spec your car is (or your reg would do fine) and I’ll do some research.
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PTMalewski
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(Original post by StriderHort)

As a few others have said, have you claimed these alloys as MODIFICATION to the car? If so, yeah your quote will skyrocket and only some specialist insurers will allow it (even more so for new drivers).....but for factory ones? you shouldn't have to specifically mention them
I have a question related to that.

From an engineering perspective, if an alloy has the same diameter, width and offset as factory wheel, it is not a modification as no working parameters of suspension change. Is that a something that insurers take as modification?
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IWMTom
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(Original post by PTMalewski)
I have a question related to that.

From an engineering perspective, if an alloy has the same diameter, width and offset as factory wheel, it is not a modification as no working parameters of suspension change. Is that a something that insurers take as modification?
Yes.. because it's a modification. It's not rocket science, and this is something you've queried on numerous threads over the past few years.
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PTMalewski
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(Original post by IWMTom)
Yes.. because it's a modification. It's not rocket science, and this is something you've queried on numerous threads over the past few years.
Well, from engineering perspective it isn't.
I keep asking because I can't believe in something that nonsensical to exist.
But on the other hand, I know that already back in the 70ies, car manufacturers were making engine-downsized versions of their cars, specifically for the British market in regard of the local insurance costs.
Last edited by PTMalewski; 1 month ago
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classic3296
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(Original post by PTMalewski)
I have a question related to that.

From an engineering perspective, if an alloy has the same diameter, width and offset as factory wheel, it is not a modification as no working parameters of suspension change. Is that a something that insurers take as modification?
It’s more to with keeping the car at factory spec. If the car came from factory with 5 spoke alloys weight 6kg and you put aftermarket 5 spoke alloys weighing 6kg on the car then you are right nothing has changed but the car is no longer in factory spec
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IWMTom
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(Original post by PTMalewski)
Well, from engineering perspective it isn't.
I keep asking because I can't believe in something that nonsensical to exist.
But on the other hand, I know that already back in the 70ies, car manufacturers were making engine-downsized versions of their cars, specifically for the British market in regard of the local insurance costs.
How is it not? You have modified the car beyond its original specification.

Different coloured alloys may be more desirable and therefore more likely to be stolen.
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StriderHort
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(Original post by PTMalewski)
I have a question related to that.

From an engineering perspective, if an alloy has the same diameter, width and offset as factory wheel, it is not a modification as no working parameters of suspension change. Is that a something that insurers take as modification?
I'd imagine so, they base it on appearance and value as well as function, so if the wheel doesn't physically have the correct manufacturer logo/part numbers ect on it, then it's modified...if it DID then they'd likely consider it fake . It's not like you're up against common sense here, you're up against an insurer looking to find reasons to charge you.
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maths42
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(Original post by em9904)
hello_shawn KiwiBanana22 Thank you for your suggestions (: I don't necessarily need the car, however, my mum doesn't want me to sell it now that I have bought it (she's willing to pay for the insurance (only child perks ah) but I've obvs said I'll pay her back).

I just wanted to know if anyone knew anything about the wheels-- can I just swap to standard and it therefore won't be considered a modification or is that not possible? Also, with the whole selling it, I haven't even registered the car to my name yet so I don't know how I would go about selling it. Would I need to register it, get road tax and maybe a days insurance so the person can drive it back or what?

If anyone can help with that, I would be v thankful!
Is your mother really rich? If so, what's the issue as she's happy to pay? Also in the scheme of things, £3300 doesn't really matter tremendously.
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