140K mileage for a car - is it worth it?

tacticalx86 said:
You only need to tell the dvla if it affects your driving. Medical conditions, that is. since being medicated I have found my driving is a lot better. Which is why this accident is annoying, I mean it's nothing , it's a scrape it happens but I know the driver's type, he's a wind up merchant, his car already had damage so the claim may be fraudulent
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You’ve just said it yourself, medicated, your driving is better! If this isn’t under the category of the DVLA needing to be aware - and your insurance as well - then I don’t know what is.
 
tacticalx86 said:
Will my car insurance go up though?
Id like to have the opportunity to see how much the damage is as if it's not much and if I didn't have to make any claim whatsoever I'd probably pay for it.
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You’ve been involved in an accident, so regardless of your insurance going up or not, you - if you want to stay legal and legitimate - HAVE to declare it, it’s not a matter of deciding if you declare depending on your insurance going up or not, it will regardless, you have to declare it as it’ll be on the database and they’ll know about it if you declare or not.

Basically, if you want to potentially hang yourself in the event of a future claim you make, don’t declare it.
 
If you fancy a trip to Wales...

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Don’t do it mate, keep the civic it will serve you better than BMW in the long run. It will also better cheaper to repair compared to the BMW. As others have said if your going to continue the delivery job, maybe consider an EV or even a hybrid?
 
As someone who was in a very similar place (delivery driver with a MK8 Honda Civic and a dodgy gearbox) I would say just get the gearbox repaired. I made the poor decision of having a second hand one put in instead which had a fault of its own, so just get the one you have done properly. When I sold the Civic it had about 180k miles on it iirc and the engine was still starting up every time, even in -25 degrees. They're good cars so you might as well just keep it for deliveries then get something else when you swap jobs.
 
I'm probably going to get another high-mileage BMW for motorway miles soon....but the price bracket you're looking at doesn't make sense.

Find a decent 3 series with a full service history and low owners, pay about 2-2.5k for it. If you haven't bought a lemon that's fundamentally broken to start with, it should keep going for ages if you look after it. Put the rest of your 5k budget aside for maintenance.

Friend of mine ran his A4 avant for over 400k miles before scrapping it. Well looked after cars (that aren't french) that just cruise the motorways should last ages.
 
I'd use the car you have at the moment for deliveries as any car you get will be completely shagged doing it.

I had a 58 plate Astra turbo getting around 30mpg when working and every year I'd be in for 4 figure MOTs. I did take it up to 170,000 miles so it did well, I'd have a non turbo Astra in a heartbeat for the job. One guy runs a Polo that looks wrecked but does the job, another has a E60 520D which he seems to keep in mint condition and another a F30 330D remapped for some silly reason, he's had so many claims from hitting foxes late at night. None of them are properly insured for the job either.

I've since replaced it with a Skoda Citigo since my Mrs passed her test, it's really her car that I get to use for work. Car is in really good condition for a 13 plate but two months doing my job I can feel a ball joint or bushing knocking on the front end.
2000 miles per month takes it's toll and I'm glad the car is cheap to run(no VED, 50mpg and £60 a corner for tyres).

I really, really, really want a BMW but in the current circumstances it's not happening. I'll be changing jobs in the next few months and giving up deliveries so plan on finding something like this https://www.autotrader.co.uk/car-de...romSavedAds=true&advertising-location=at_cars if they could come down in price a little!



I'm surprised the insurance is so cheap for your age and doing delivery work. I'm 34 and got a good few years NCB and I'm more expensive.

Business use doesn't cover delivering food/parcels etc. Hire and reward insurance is quite expensive from the two main companies(Zego being one), thankfully I'm with Admiral who do sell it but it's not immediately obvious as you select business use on a quote and have to specifically look for hire and reward when actually setting up the policy. If we're talking about Domino's pizza then they cover you for third party damage but you would be out of pocket for your own damage.
 
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I would not spend that money on a 1.6 low spec 3 series. It will cost more than your Honda to put right if it goes wrong and I cannot personally see it being much more enjoyable to drive. A Honda is a perfect car for delivery driving in that they rarely go wrong and when they do the fix is relatively cheap.
 
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Jonny ///M said:
I'd use the car you have at the moment for deliveries as any car you get will be completely shagged doing it.

I had a 58 plate Astra turbo getting around 30mpg when working and every year I'd be in for 4 figure MOTs. I did take it up to 170,000 miles so it did well, I'd have a non turbo Astra in a heartbeat for the job. One guy runs a Polo that looks wrecked but does the job, another has a E60 520D which he seems to keep in mint condition and another a F30 330D remapped for some silly reason, he's had so many claims from hitting foxes late at night. None of them are properly insured for the job either.

I've since replaced it with a Skoda Citigo since my Mrs passed her test, it's really her car that I get to use for work. Car is in really good condition for a 13 plate but two months doing my job I can feel a ball joint or bushing knocking on the front end.
2000 miles per month takes it's toll and I'm glad the car is cheap to run(no VED, 50mpg and £60 a corner for tyres).

I really, really, really want a BMW but in the current circumstances it's not happening. I'll be changing jobs in the next few months and giving up deliveries so plan on finding something like this https://www.autotrader.co.uk/car-de...romSavedAds=true&advertising-location=at_cars if they could come down in price a little!



I'm surprised the insurance is so cheap for your age and doing delivery work. I'm 34 and got a good few years NCB and I'm more expensive.

Business use doesn't cover delivering food/parcels etc. Hire and reward insurance is quite expensive from the two main companies(Zego being one), thankfully I'm with Admiral who do sell it but it's not immediately obvious as you select business use on a quote and have to specifically look for hire and reward when actually setting up the policy. If we're talking about Domino's pizza then they cover you for third party damage but you would be out of pocket for your own damage.
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Yes its dominos pizza. I don't care about the damage on my car. My Honda is built like a tank, so right now its perfect for driving.
The issue i now have...I've told the AA about the accident. They seem confused, and so am I. First they thought i wanted to make a claim, and then i think they wanted to see what job I did because obviously SDP wouldn't cover that. I explained to them that the company insures me and they are the policyholder not me, and sent them the certificate. Will i have to declare i've had an accident to a future provider when it comes to renewal? That looks like it will shoot my insurance up by a few hundred which is absolutely crap.

It may well be cheaper than yours - I have two named drivers on it, my parents, who have both been driving for more than 50 years combined. I also live in an area with low car crime. When I went to university, the insurance went up by over £600.

I have no plans to buy the new car and use it for delivering because as you say, it will ruin it. The AA tell me if i have another accident their NCD will be voided, even if it is on the other insurance provider? that does not seem right. None of them seem to have a clue what they are talking about. I'm wishing I just never told them because they seem to think I want to make a claim - I don't! The other driver hasn't even made claim yet
 
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inflames said:
Don’t do it mate, keep the civic it will serve you better than BMW in the long run. It will also better cheaper to repair compared to the BMW. As others have said if your going to continue the delivery job, maybe consider an EV or even a hybrid?
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I don't plan on continuing with it long enough to warrant something like a Prius. I'd look at hybrids but not EVs; too expensive at the moment and there are next to zero charging facilities in the Essex and East London areas. I don't know how an EV would get on with constantly stop/starting, the mileage is quite high so i guess i'd need to recharge a lot which would be impractical

On another insurance related note - if my mileage is significantly higher t han what i said i would do to my insurers, is there anyway i can "prove" it was done for my delivery job, which i am insured for? It has a black box so it will record the length of the journeys, and 90% of my journeys are for my job and therefore only a mile or two each way
 
tacticalx86 said:
there are next to zero charging facilities in the Essex and East London areas
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If you don't have home charging then it's a bit of a non-starter as it would probably be more expensive than petrol at current electricity prices!

tacticalx86 said:
I don't know how an EV would get on with constantly stop/starting, the mileage is quite high so i guess i'd need to recharge a lot which would be impractical
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Constant stop/start is no issue for an EV, there's no need to worry about getting the engine up to temperature, wearing out the starter motor, clutch wear etc. "Fuel" economy also increases significantly at lower speeds, unlike in an ICE where they are most efficient when cruising at motorway speeds. When you say "quite high" mileage, that sounds unlikely for Dominos delivery unless you're in a very rural area? When I used to do it I was barely doing 30 miles a night.
 
Haggisman said:
If you don't have home charging then it's a bit of a non-starter as it would probably be more expensive than petrol at current electricity prices!



Constant stop/start is no issue for an EV, there's no need to worry about getting the engine up to temperature, wearing out the starter motor, clutch wear etc. "Fuel" economy also increases significantly at lower speeds, unlike in an ICE where they are most efficient when cruising at motorway speeds. When you say "quite high" mileage, that sounds unlikely for Dominos delivery unless you're in a very rural area? When I used to do it I was barely doing 30 miles a night.
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Not that rural but I do it 4-5 times a week, and I probably average 200 miles a week. Mostly suburban but some semi-rural. I have no home charging so there's no point like you say. Honestly, this whole issue with the insurance is putting me off continuing with it for much longer.
 
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