Coming up 17 year old looking at first car/insurance

SexyGreyFox said:
Are you a traffic cop?
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Laughed a bit at this...
The NCD would in the future help, but being a named driver on my dad's policy would help me now because I have a lot less money available than I will in say a year which I will have recieved 2 pay rises on my apprenticeship so insurance costs will be less of an issue for example.
I prefer to spend money on computers than insurance so any money saved helps fund my other hobbies

Any ideas on cars are welcome
 
Do you just want a car that goes from A to B? I.e you wouldn't mind driving something like a Nissan Almera for your first car?
 
theaterix said:
but being a named driver on my dad's policy would help me now because I have a lot less money available
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not bothering with insurance at all would help even more, seeing as you are obviously open to bending the rules, why not go the whole hog?
 
seriously get a Fiesta, cheap to buy cheap to run, will be reliable etc etc

nice and small so good for parking and getting used to driving around
 
Iamzod said:
Unless he is on his way to/from work in which case they needed Class 2 business use when I worked in insurance or else it was only the policy holder (or spouse) covered for commuting. If I remember correct that had an age limit on it too so you couldn't put a 17 year old on it.
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Of course, but this is a different thing entirely as you are not adequately covered at that moment in time to do the trip you are on. When it comes to things like this a phonecall to the MIB (not the Will Smith kind) or the insurer direct will bottom out whether or not the insurer would in fact cover the trip.

SexyGreyFox said:
Are you a traffic cop?
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Who is your daddy, and what does he do?
 
Kenai said:
not bothering with insurance at all would help even more, seeing as you are obviously open to bending the rules, why not go the whole hog?
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Yeah totally may aswell steal the car and why not nick some nice new rims while I'm at it... Helpful
 
ShiWarrior said:
seriously get a Fiesta, cheap to buy cheap to run, will be reliable etc etc

nice and small so good for parking and getting used to driving around
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A Fiesta is a good shout, what year would you recommend? Or link a couple nice looking ones if possible
 
sigma said:
Do you just want a car that goes from A to B? I.e you wouldn't mind driving something like a Nissan Almera for your first car?
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I've priced a 500 quid Corsa, Lupo etc but they all end up being the same as a nicer 1200 quid car that will probably not conk out on me straight away haha
 
theaterix said:
Yeah totally may aswell steal the car and why not nick some nice new rims while I'm at it... Helpful
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Well you ignored the useful comment and carried on prattling about insurance fraud, so why not? Why draw the line there, if you're going to play outside the rules, may as well do it properly, don't fart about.
 
Gaygle said:
Who is your daddy, and what does he do?
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Something is completely whooooshing over my head since I've never seen your username before.
You said in a post "Hell, I could pull him over 5 times in a week - it still proves absolutely nothing" which means that I would trust your word over another posters - that is all.
 
ShiWarrior said:
or maybe this 1, same owner for 11 years

http://www.autotrader.co.uk/classif...x394je&seller-type=private&radius=1500&page=3
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old check
one lady owner check
really low milage for the age check

it's my car with a ford badge :D

and also a pretty sensible first car choice. first cars are never glamorous and they get a hard time, so no point making it too good, save that for later when you've got the experience and insurance ncb under your belt to be able to afford it.
 
My 17yr old nephew has just bought his first car. We did spend quite a while comparing insurances and a 1.2 punto came in about 20% cheaper than a fiesta. A clio was similar cost to insure.
 
Older cars and cheap cars don't tend to be cheap to insure as they are as safe, also a festia like people have posted is not cheap to insure at all.

The cheapest cars to insure will be a 1l or 1.2l at most. Try and get as new as possible within budget. Polo, lupo, clio, aygo nowhere, c1, 107. If you look for cars that are a low insurance group then they are normally cheap to insure.

Also do not get a black box unless you like having a question of 20 cars following you everywhere :D
 
Wait until you're 18/19 unless you ABSOLUTELY need a car would be my advice. Insurance at 17 will be totally ridiculous.
 
Just look for anything with a small engine as possible (sub 1.2) - Fiesta, Yarris, Corsa are all good shouts - part of me thinks that anything German is likely to have higher insurance, but that's only a gut feeling with nothing to back it up. Equally, 1/2 of me says to get the newest car you can afford for reliability, but the other (cynical) part of me think that the chances of it being crashed within the first 24 months is so high (not a go at you, just reality), that it probably doesn't matter... Get a couple years NCB on a 1-1.2 car and then upgrade to a 1.4-1.6 down the line.

insurance comparison sites like gocompare, comparethemarket, moneysupermarket & confused.com are all a good place to compare cars. But googling young driver insurance suggests a few specialist insurers might help, and you'll probably have to give them a bell for a quote. So, find a car that cheapish on the comparison sites before phoning up specialists?

And, what's wrong with a black box, if it keeps the costs down? Surely it will "encourage" you to be a bit slower if you think you're being monitored - is that a bad thing? A lad at work had one and said it wasn't the end of the world.
 
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