stu999 Posted September 9, 2004 Posted September 9, 2004 Thing is... they may not hold as much street cred as some cars kids are driving nowadays but they are really cheap to run. Dont be so sure... More room to fit speakers, or maybe a mattress... Quote
Luke_Eliasz Posted September 9, 2004 Author Posted September 9, 2004 Dont be so sure... More room to fit speakers, or maybe a mattress... Mattress would be good Quote
Blatman Posted September 9, 2004 Posted September 9, 2004 TPFT = Third Party Fire and Theft insurance... Quote
nlash Posted September 9, 2004 Posted September 9, 2004 Btw whats tpft mean? Third party fire and theft Quote
Megablade Paul Posted September 10, 2004 Posted September 10, 2004 Luke, many in their mid forties on here would have owned a mini as their first car and great they are too! A word of caution though as I know a bit about this as my son is mini mad, 17 and about to take his test in a few weeks, he will be 18 then and has saved up about 4k so I took him looking at various mini shows and there is some great ones out there, but I didn't see much that were that good fo a 1k. we then set about looking at the cost of insurance and I think you would be surprised, coopers are classed as high risk and having a white stripe on the bonnets adds £100 a year to the premium He's joined the mini club and we called the clubs specialist insurance broker, for a bog standard mini valued at 4k ish would cost about 3k to insure!! Don't be put off though pretty much everything will cost a bomb for a 17/18 year old, you may get it cheaper as a named driver on your mum's policy and it's better spending your money on cars than women it's less painful in the long run Quote
Luke_Eliasz Posted September 10, 2004 Author Posted September 10, 2004 Wow, well i've heard just normal old clios etc.. costing around £1500 to insure, and the pass plus thing usually brings it down to 500 - 700. Question..., when i past my test and get my crap car, and have it insured, then sell it and get my new car, will i have to pay for the yearly premium again? Quote
stu999 Posted September 10, 2004 Posted September 10, 2004 You pay the yearly premium yearly. If you change motors in between times, you may have to pay a 'top-up' (the difference in the price of insuring the two different cars). Sometimes, if your new car costs less to insure, you may* get a refund. *This is rare... Quote
Luke_Eliasz Posted September 10, 2004 Author Posted September 10, 2004 Ahhhh, i see. Thanks stu. Any idea what it would cost for an 18yr old, citroen c2 - insurance group 2/3, parked outside (no drive/garage)? (rougly) Quote
Chris Elworthy Posted September 10, 2004 Posted September 10, 2004 Well i'd rather not get a van, just want a mini Then get a Mini Van. Quote
stu999 Posted September 10, 2004 Posted September 10, 2004 The 'loading' of the insurance (the price you pay) can vary considerably for other reasons other than your age, so it would at best be a guess mate. Anything that the insurance feels would increase the 'risk' to them (the likelyhood of you, or somebody else making a claim) will add to your yearly premium. Some examples; The area you live in-and is usually priced according to your postcode. If last years car crime rate was high in your postcode area, you will pay a lot more insurance. Your job. Yep, strange as it seems, insurance companies feel that your job affects the likleyhood of them having to pay out at some stage... Motoring offences. Points dont make prizes, they make expensive insurance premiums. Previous accidents-especially if you are blameworthy. But just because it may not of been your fault, dont count on it not affecting the premium next year. I've heard stories of folk informing their insurance of allgededly a non-blameworthy accident they have been involved with, only to find that they loose no-claims bonus. Whether you are male/female. Strangely, ( ) insurance companies think that females will cost them less. The type of car. Not just the size of the engine, but lots of things affect how insurance set their prices. The power of the engine, how easy the car is to steal, how desirable the car is, how expensive it would be to repair in the event of an accident, etc, etc. Your annual mileage. More miles = more risk. The 'Excess'. Insurance companies make use of this to take some of the 'sting' out of any potential claim. You may be asked to agree to-lets say-a 500GBP excess. In the event of a claim, you would then be required to pay the first 500GBP of the bill And daft as it sounds, they are now even looking at things like the colour choice of your car, your star sign, and stuff like that. Obviously there are things up there you can have an influence on (car type, keeping yer nose clean, sex change? ), and stuff you cant really have an influence on. The only thing to do is pick up the phone, and start shopping around. Dont forget though, insurance companies are trying to make money, the same as any other company, so they will charge whatever they can get away with. Prepare to do some homework, and dont be afraid to bargain with them. Some companies may ask you to ring them back if you find a better quote, make a note of them when you go phone shopping. If they dont, ask them whether it is worth you ringing them back if you find a better price if so, dont forget to ask for a reference number. You know they have 'money' to play with then. Then play each company off against each other until you find your best price. It is hard work (and very frustrating-some companies phones will leave you hanging on for ages). You will be pi55ed off with saying the same stuff over and over again. But it could save you hundreds, or possibly even thousands of beer tokens... Oh yeah, and when it is time for renewal, be prepared to do the same again. Some companies *seem* to 'load' a premium for being a 'loyal' customer, playing on the fact that most of the human race are lazy gits, and cant be . 'd to do the same again... Quote
Mark Stanton Posted September 10, 2004 Posted September 10, 2004 Car Insurance = nearest thing you'll get to legalised robbery 3 vehicles = 3 lots if insurance and yet I can only drive one at a time Sorry it's been a long day Quote
adhawkins Posted September 10, 2004 Posted September 10, 2004 3 vehicles = 3 lots if insurance and yet I can only drive one at a time Sorry it's been a long day But any of the three could get nicked or crashed into by someone that drove off...or roll down a hill and crash into another car... Andy Quote
mikehreynolds Posted September 11, 2004 Posted September 11, 2004 Im now 21 and have a MK2 golf 16V and a Westy but when I was 17 and had just passed my test i had 1 mk1 brown astra!! Definately go with everyones advice and get the cheapest runabout you can for the first few months so that you can get used to driving. You will have to learn so much more in the first few month of driving on your own that its pointless getting anything decent! Ive managed to stay accident free for 4 years and now have some no claims bonus so can afford to run a decent fun car!! (did i say i can afford too!! Student slip of the tongue!!, the student loan helps me too not really afford.....) Oh yeah and try elephant for cheap car insurance they were over £1500 cheaper than anyone else when I first got the GTI!! Quote
Mat Jackson Posted September 11, 2004 Posted September 11, 2004 Luke, Try this website for Insurance quotes, they are the cheapest I have found: Confused If you want to get an idea of costs, put all your details in but change your date of birth to that of a 17yr old. You can try as many differnt cars as you like. FWIW They have always found me the cheapest quotes for my tin-tops (Rover 200, MGF, Alfa 156) Quote
Recommended Posts
Join the conversation
You can post now and register later. If you have an account, sign in now to post with your account.