4k is good Skoda Superb money
It's not really the vaguery that's the problem, it's the fact it doesn't actually mean anything. Increase the cost of ownership compared to... what?My definition of Reliable would be something that doesn't increase the cost of ownership over 2-3 years...
Bit of a vague statement I know..

22 is more than old enough. It'll be surprisingly inexpensive to insure compared to any 'bigger' car unless you live in a really bad area.Ah yes, may be I should have added in the original post im 22, so therefore anything "decent" is going to be a killer on the 'ole insurance
Diesel or Petrol my man?
Diesel or Petrol my man?
Hmm interesting, For some reason I thought it would be a killer!
Another topic for debate is, I keep reading to stay clear from older diesels (2004/04) as they are likely to throw a chunky repair bill.. any thoughts?
There is some merit in that. If you find an older diesel with a modern diesel engine a lot of them suffer from various turbo/injections/flaps/flywheel and other random issues that were kinda new back then. I would avoid one.
How many miles will you be doing?