What should I get as a first car? Watch

James.P_98
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#21
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They do indeed. I went on a bit of a tangent lol.

I was rather surprised to see in the news this week that over 90% of UK cars on the road are on some sort of finance!
(Original post by UrBusted)
People can pay cash you know too lol, btw I'm also interested in if thats with or without blackbox

I got offered 5100 minimum for a 1.6 Audi A3 with blackbox, and I'm quite sure that was for a non S-Line. I went to the other side of the spectrum for a <100hp 1.0 polo and although much cheaper, I still couldn't find a non blackbox quote.
£2750 NO black box with Lloyds bank for a 1.4l 163bhp Mercedes A200 I thought was pretty decent although painful I was expecting worse.
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HasanQ585
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I got a 15 plate Mazda2 as my first
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Dunnig Kruger
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1) No MOT for the first 3 years
2) Most dealerships offer UNLIMITED milage 3 years warranty's
2) Most dealerships offer free service plans for the first 3 years (Mercedes did anyway)
3) For new drivers insurance is cheaper for newer cars because of the availability of spare parts, safety features such as EBS ect
4) You get the latest technology, okay not needed but things have come along way.


In the interests of providing a balanced, clear, logical picture on this subject:

1 a. MOT cost is 40 quid. That's 4 days depreciation on your Merc A class.
b. In order to maintain any warranty, you are channelled down the main dealer route for servicing. Specialist indy servicing is more than £40 per service cheaper than main dealer.

2 Someone has bought the wrong type or particular example of car if they have more than one break down per 5 years. And breakdown insurance is like what? £100 per year?

3 The service plan is in lieu of a discount. And what exactly is included in any given service plan and what's not included?

4 Third party fire and theft insurance is usually, but not always cheaper than comprehensive. Third party is an acceptable risk on a £1500 car. On a £20,000 car it would be too big a risk for most people.

5 A 10 year old Merc E or S class is a nicer car to be in and drive than a brand new Merc A class. Buying older opens up some really nice cars for affordable prices.

6 There is the £15,000 to £22,000 cost savings with a 10+ year old car vs a new A Class. A car should be a slave to you. You shouldn't be a slave to your car. By buying new or less than 3 years old, you are making yourself a slave to your car - for the amount of work you will have to do to pay for the stupid thing.
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cherryred90s
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(Original post by James.P_98)
It is indeed!

Thats the cheapest I can get with no black box, with a box I am looking around £1500-£2500 but that's because of my age and the car I have bought. I currently pay £700 without a black box for my Corsa but pick up the new car in a few weeks.
So you’re going to be paying 4x what you’re paying now! Your money , and Whatever makes you happy I suppose! Though I’m curious, what do you do for work?
I initially went for a pcp deal but I wasn’t approved for the finance so I’m on a Hp plan
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cherryred90s
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(Original post by UrBusted)
People can pay cash you know too lol, btw I'm also interested in if thats with or without blackbox

I got offered 5100 minimum for a 1.6 Audi A3 with blackbox, and I'm quite sure that was for a non S-Line. I went to the other side of the spectrum for a <100hp 1.0 polo and although much cheaper, I still couldn't find a non blackbox quote.
5100 ! My eyes are watering. Mines 1600 with no black box. Would have been 1300 with one so I figured I may as well pay a little extra. Have you bought the car yet or you’re just running quotes?
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James.P_98
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(Original post by cherryred90s)
So you’re going to be paying 4x what you’re paying now! Your money , and Whatever makes you happy I suppose! Though I’m curious, what do you do for work?
I initially went for a pcp deal but I wasn’t approved for the finance so I’m on a Hp plan
It does seem that way. In all fairness I got it easy with my insurance mainly because I built up a 1 year NCD when I was leaning (car was registered in my name and so was the insurance) going from £700 to £2500 does seem stupid but there’s a 14 year difference in the ages of the cars and a 30x price difference.

The merc is a dream and whilst I can afford it I thought why not enjoy. I work full time and was very lucky to have got the job I have at my age (Trainee investment manager). It’s mainly based on your job, credit score and annual salary, I still had to have a guarantor because of my age though.
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James.P_98
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(Original post by Dunnig Kruger)
1) No MOT for the first 3 years
2) Most dealerships offer UNLIMITED milage 3 years warranty's
2) Most dealerships offer free service plans for the first 3 years (Mercedes did anyway)
3) For new drivers insurance is cheaper for newer cars because of the availability of spare parts, safety features such as EBS ect
4) You get the latest technology, okay not needed but things have come along way.


In the interests of providing a balanced, clear, logical picture on this subject:

1 a. MOT cost is 40 quid. That's 4 days depreciation on your Merc A class.
b. In order to maintain any warranty, you are channelled down the main dealer route for servicing. Specialist indy servicing is more than £40 per service cheaper than main dealer.

2 Someone has bought the wrong type or particular example of car if they have more than one break down per 5 years. And breakdown insurance is like what? £100 per year?

3 The service plan is in lieu of a discount. And what exactly is included in any given service plan and what's not included?

4 Third party fire and theft insurance is usually, but not always cheaper than comprehensive. Third party is an acceptable risk on a £1500 car. On a £20,000 car it would be too big a risk for most people.

5 A 10 year old Merc E or S class is a nicer car to be in and drive than a brand new Merc A class. Buying older opens up some really nice cars for affordable prices.

6 There is the £15,000 to £22,000 cost savings with a 10+ year old car vs a new A Class. A car should be a slave to you. You shouldn't be a slave to your car. By buying new or less than 3 years old, you are making yourself a slave to your car - for the amount of work you will have to do to pay for the stupid thing.
1. I agree MOTs are cheap but it’s more out of principal, new car, new parts means statistically less likely to fail in the first 3 years = less maintenance costs initially.

2. The service plans are currently being sold (free of charge) with the car as an incentive however with merc it includes the FULL annual service which normally costs around £400 so over the 3-4 years is well worth it.

4.With Insurance there are too many factors to calculate hence why insurance companies spend millions £££ on algorithms to work it out however in my case a similar spec engine on a 10 year old car was the same if not more expensive as fully comprehensive on a new car speaking to the insurance company this is because of all the safety features newer cars have (automatic emergency breaking, lane assist, speed assist, active bonnet “in the event of a front collision with a pedestrian the bonnet realigns in an attempt to cause the pedestrian to go over the car rather than through the windscreen” the list goes on.

*The Mercedes A class was tested by EURO NCAP and came out in 1st place for the safest car of 2018*

5. In some cases yes you are right. Older = cheaper as it’s already depreciated which means your money goes further however I love my tech and essentials for me were ( front and rear cameras, full proximity sensors, parking assist, car play, autonomous features such as lane keep assist and active cruise control which Mercedes have “distronic”) I couldn’t find a decent car with those features with an engine size of less that 1.6 - for insurance purposes.

6. I am very lucky which I remind myself of. The car for me will not impact my day to day financial life I won’t be working to just pay for the car and have nothing left over but yes a car should be a slave to you so unless you can afford it don’t put yourself in that situation.
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-Eirlys-
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:lol: What a humble brag.

Those cars will make your insurance shoot up. The rest of us peasants usually get a cheap banger (my first was about £800) and even a black box to lower car insurance premiums. Unless daddy is paying for it or you have a well paying job, you won't be able to afford those cars and the insurance. I'm 24 and after driving for 5 years and my insurance premium going up again to £1200 despite two years NCD and previously being quoted about £900 a couple years ago after the incident (insurance premiums sometimes fluctuate), I managed to get a quote of £400 for 12 months with another provider. That's the cheapest insurance I've ever gotten. My current car cost about £4k and as it's newer, it's a safe, perfectly decent car to drive.
(Original post by olivia.k24)
Hey guys, looking for a nice car was thinking a bmw or Mercedes even found a cheap Range Rover evoque for sale but I don’t know what to do. I know the insurance for the evoque is going to be sky high so do I look for a bmw or mercedes and what models ! I’m very indecisive and need all the help I can get. Don’t need it to be fast I just want to feel ‘safe’ in it, if you know what I mean. The evoque has sold me but insurance is too high. What do I do?
Last edited by -Eirlys-; 1 week ago
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UrBusted
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(Original post by cherryred90s)
5100 ! My eyes are watering. Mines 1600 with no black box. Would have been 1300 with one so I figured I may as well pay a little extra. Have you bought the car yet or you’re just running quotes?
Already have an A3 with temp learners insurance, I wanted to continue driving it since it has custom speaker system, upgraded infotainment system etc, but comparatively it would be better to just get another new car with cheaper insurance. Theres been issues with cars I've meant to be getting, will find out if this deal goes through soon
(Original post by Dunnig Kruger)
5 A 10 year old Merc E or S class is a nicer car to be in and drive than a brand new Merc A class. Buying older opens up some really nice cars for affordable prices.
Why would a 19 year old want a 2009 E or S Class?? What do you think insurance is like looll. I did some hypothetical quotes a year or so ago and was offered £9400 for a 2015/2016 S350 by Debdens Finance with 2 year NCB
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James.P_98
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(Original post by UrBusted)
Already have an A3 with temp learners insurance, I wanted to continue driving it since it has custom speaker system, upgraded infotainment system etc, but comparatively it would be better to just get another new car with cheaper insurance. Theres been issues with cars I've meant to be getting, will find out if this deal goes through soon

Why would a 19 year old want a 2009 E or S Class?? What do you think insurance is like looll. I did some hypothetical quotes a year or so ago and was offered £9400 for a 2015/2016 S350 by Debdens Finance with 2 year NCB
Exactly 😂! Just because the car is cheaper does not mean the insurance is. Plus the infotainment systems on a 10 year old car even on a E or S class are horrific compared to new systems.

I’m very happy with my £2750 quote and even more happy with the decision I made to purchase the A class. Maybe I’ll upgrade to an A45 in 3-4 years time lol.
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mnot
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(Original post by olivia.k24)
Hey guys, looking for a nice car was thinking a bmw or Mercedes even found a cheap Range Rover evoque for sale but I don’t know what to do. I know the insurance for the evoque is going to be sky high so do I look for a bmw or mercedes and what models ! I’m very indecisive and need all the help I can get. Don’t need it to be fast I just want to feel ‘safe’ in it, if you know what I mean. The evoque has sold me but insurance is too high. What do I do?
If you cant afford the running costs you can't afford the car. Generally insurance should be about 1-2% of the net value of the car (but obviously for a first car, & whilst your under 25) insurance will be more expensive. If you can afford to outright buy a mercedes, bmw etc as a first car then fair play (i wouldn't recommend leasing, lease-to-buy, or finance unless absolutely necessary).

Whilst these are more modest a Vauxhall Corsa, VW Golf, Ford fiesta or focus are certainly very good first cars. You can pick up a fully specced out fiesta with every active safety feature going and great infotainment much cheaper. These are also much more efficient (and cheaper to operate), the 1l ecoboost fiesta still has amble acceleration, top speed and will run at about 45 mpg if you want something more efficient the e-Golf plug-in hybrid is worth looking into and comes with all the tax benefits and a subsidy if you purchase new.
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mdupraz
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Search for second hand cars and find a cheap car that suits you. No reason to invest much, as you might not be the most experienced driver and will inevitably get some bumps here and there.
Last edited by mdupraz; 1 week ago
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KanyesVest
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my first car was a mercedes AClass 1.4, although it was a 16 year old banger. 😁 Cost me £500 for the year to insure that beauty so it's definitely possible to get cheap insurance, you just have to be lucky enough to find it. I now have a 2014 Toyota Aygo, small but quite fast, looks good, costs nothing on road tax, insurance was £600 fully comp (no black box) and petrol is ridiculously cheap.
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