Daughters first car

Wh05apk · 13 May 2013 at 8:40AM

Premiums do not always seem to follow insurance groups, Cars like Ford Ka, although low grouping tend to be quite expensive to insure as popular with young drivers, we bought a 1.3 Yaris, and that cost less to insure, some "boring" cars like Volvo S40's can be surprisingly cheap, purely because they are not popular with "high risk" drivers, so I would suggest running numerous quotes on a variety of cars, I suspect you will get some anomalies!

juniper_berry · 13 May 2013 at 9:38AM

I wouldn't recommend a KA - they are tin cans and will completely crumple. If it's your daughters first car then you don't want her in something so weak if she were to have an accident - which is obviously higher risk for new drivers.

I would highly recommend an older VW Polo. Out of all the smaller cars I have driven in my earlier years this was by far the best. It has a solid body, heavy doors and will hold itself well on the road. The insurance is fairly cheap and if you go for a 1.2 the tax is low as well.

karlie88 · 13 May 2013 at 10:18AM

Take on board the advice above, but ultimately, you won't know until you do a few hours research.

Find 5 different types of cars on eBay/Auto Trader with registration plates on show and plug your details into confused.com, gocompare and moneysupermarket.

In the end, the biggest factors will be the make/model of the car and your personal details/driving history. Your postcode, her occupation, your occupation, your driving history, where the car is kept during the day and night etc. will all contribute significantly to your premiums.

Interestingly, for me, it is cheaper to leave my car on the road (a 3 house cul-de-sac) rather than my driveaway. I assume this is because an opportunistic thief will not be able to identify the owner of the car so easily.

Also, as mentioned above, the likes of Admiral, Bell and Elephant do a 10 month bonus accelerator. At first, it sounds like a good deal, but in reality, it's not that good.

An exmaple (if paying annually):

12 month policy with Elephant = £2400.

Price per month is £200.

You'd think a 10 month policy would cost £2000 (£200 x 10), but it doesn't.

A 10 month bonus accelerator policy will likely cost £2250; which is £225 per month.

So you're paying an extra £25 per month (for 10 months) to get a potential 1 years no claims bonus 2 months earlier.

It ain't worth it.

Oh and once you've got your cheapest policy, stick your details into Direct Line and Aviva.

Hope you've found my post useful.

kkgree1 · 13 May 2013 at 11:16AM

Another one to suggest a Clio. I sold my 2003 Clio to a new driver and they were looking at Clios or Corsas only. She spent £1200 buying my car and was spending the same on insurance!

gizmo111 · 13 May 2013 at 11:23AM

karlie88 wrote: »

Take on board the advice above, but ultimately, you won't know until you do a few hours research.

Find 5 different types of cars on eBay/Auto Trader with registration plates on show and plug your details into confused.com, gocompare and moneysupermarket.

In the end, the biggest factors will be the make/model of the car and your personal details/driving history. Your postcode, her occupation, your occupation, your driving history, where the car is kept during the day and night etc. will all contribute significantly to your premiums.

Interestingly, for me, it is cheaper to leave my car on the road (a 3 house cul-de-sac) rather than my driveaway. I assume this is because an opportunistic thief will not be able to identify the owner of the car so easily.

Also, as mentioned above, the likes of Admiral, Bell and Elephant do a 10 month bonus accelerator. At first, it sounds like a good deal, but in reality, it's not that good.

An exmaple (if paying annually):

12 month policy with Elephant = £2400.

Price per month is £200.

You'd think a 10 month policy would cost £2000 (£200 x 10), but it doesn't.

A 10 month bonus accelerator policy will likely cost £2250; which is £225 per month.

So you're paying an extra £25 per month (for 10 months) to get a potential 1 years no claims bonus 2 months earlier.

It ain't worth it.

Oh and once you've got your cheapest policy, stick your details into Direct Line and Aviva.

Hope you've found my post useful.

Can't remember the exact figures but it soes drop a fair amount to get the 10 month figure - my daughter has had one since she started driving. Any insurance for a young driver must be paid up front else it is extortionate - hers was something like £1100 for 10 months paid in full or £1950 in instalments, in the first year. The 2nd 10 months it went down to around £650 cash or £1600 monthly.

Wh05apk · 13 May 2013 at 1:06PM

If you are considering 10 months policy, something to consider is when their birthday is, if the 10 month policy runs out a month before their 18th birthday, the new policy will cost '00's more than if they have just crossed a birthday.

cazaline · 13 May 2013 at 10:47PM

gizmo111 wrote: »

Ford KA....... Cheap to insure, rust buckets but a good first car to get the NCB.
Use one of the ins firms that do escaltor policies so you insure for 10 months and get a years NCB - Admiral, Elephant and Bell i think do them.

This was y first car and I must admit I had thought of this:j

atrixblue.-MFR-. · 13 May 2013 at 11:43PM

insurance groupings i would say shouldnt be a factor in hunting for a car for a young driver.

as most group 1-5's manufacturers models are popular with young drivers they tend to push the premiums up as the vehicle itself is common on the road so common to be involved in a an accident and therefore insurers payout more on policies that involved the likes of ford KA fiesta saxo 106 etc.

i have a 10 month policy i pay anually, 12 month policy pushes the premium up by £400 for me, or £550 if paying monthly installments so paying £637.00 per 10month booster is better than £1037.00 for 12months.

oddball cars, for e.g nice little austin metro?!

forgotmyname · 14 May 2013 at 12:29AM

I was messing again and got a cheaper quote than the usual...

The car is a girl racers dream car. its a 1700cc petrol engine... A parents dream car for a younger driver its a Volvo 340. Remember them?

£240 cheaper than quotes on a KA or similar cars.

They also did a 1400cc engine, That maybe cheaper? I never tried.

CKhalvashi · 14 May 2013 at 7:09AM

forgotmyname wrote: »

I was messing again and got a cheaper quote than the usual...

The car is a girl racers dream car. its a 1700cc petrol engine... A parents dream car for a younger driver its a Volvo 340. Remember them?

£240 cheaper than quotes on a KA or similar cars.

They also did a 1400cc engine, That maybe cheaper? I never tried.

Believe it or not, my 18 year old niece (I spoke to her last week) found it cheaper to get insured on a '53' plate Peugeot 406 2.0 HDi which has been clogging up part of my drive for the last 2 months (200,000 miles, nothing wrong with it, and only been there as it was too good to scrap, but too old to re-plate as a taxi), than a '53' plate 206SW 1.4 she was looking at. My OH has given her the keys (after it was insured, of course), and she'll give me £1000 for it when I get back to the UK, so its solved two problems.

There will always be anomalies when looking for cars; which 18 year old wants to drive about in the stereotypical 90s taxi, but sometimes going larger can save you money on insurance at that age.

CK

Daughters first car

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