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  • FIRST POST
    • littletedwest
    • By littletedwest 12th Oct 16, 8:42 PM
    • 8Posts
    • 0Thanks
    littletedwest
    Just passed advice needed
    • #1
    • 12th Oct 16, 8:42 PM
    Just passed advice needed 12th Oct 16 at 8:42 PM
    Just passed my test I'm 36 never needed to drive in past but need it for work.
    Was looking at getting a 2nd hsnd yaris for 1500-2000 on a 0% purchase card.
    I've heard from people and reviews these are generally reliable cars with decent fuel economy and insurance.

    So any opinions on other cars also who's best to look at for insurance and what's cheapest way of doing it?

    Also how do you drive home from the dealership without insurance?
    Basically I'm pretty clueless.
    Used a diesel in my lessons but think I'll be buying petrol so daunted as I know I'll probably stall about 50 times

    Thanks for any advice
Page 1
    • Fat Walt
    • By Fat Walt 12th Oct 16, 9:20 PM
    • 602 Posts
    • 327 Thanks
    Fat Walt
    • #2
    • 12th Oct 16, 9:20 PM
    • #2
    • 12th Oct 16, 9:20 PM
    Make sure it's not rear brakes apparently not all Yaris' have.
    • weeowens
    • By weeowens 12th Oct 16, 9:55 PM
    • 77,906 Posts
    • 9,588,349 Thanks
    weeowens
    • #3
    • 12th Oct 16, 9:55 PM
    • #3
    • 12th Oct 16, 9:55 PM
    J

    So any opinions on other cars also who's best to look at for insurance and what's cheapest way of doing it?

    Also how do you drive home from the dealership without insurance?

    Originally posted by littletedwest
    You insure it before you pick it ip.
    • weeowens
    • By weeowens 12th Oct 16, 9:57 PM
    • 77,906 Posts
    • 9,588,349 Thanks
    weeowens
    • #4
    • 12th Oct 16, 9:57 PM
    • #4
    • 12th Oct 16, 9:57 PM
    Just passed my test I'm 36 never needed to drive in past but need it for work.
    Was looking at getting a 2nd hsnd yaris for 1500-2000 on a 0% purchase card.
    I've heard from people and reviews these are generally reliable cars with decent fuel economy and insurance.

    So any opinions on other cars also who's best to look at for insurance and what's cheapest way of doing it?


    Used a diesel in my lessons but think I'll be buying petrol so daunted as I know I'll probably stall about 50 times
    Originally posted by littletedwest
    Some reviews on here: http://www.honestjohn.co.uk/carbycar/

    The Yaris has a good reputation.

    Re diesel if your mileage is low it may not benefit cost wise plus lots of short journeys are not good for diesels.
    • waamo
    • By waamo 12th Oct 16, 10:23 PM
    • 794 Posts
    • 739 Thanks
    waamo
    • #5
    • 12th Oct 16, 10:23 PM
    • #5
    • 12th Oct 16, 10:23 PM
    Unless you are doing big mileage get a petrol. The Yaris is a nice little car. Pretty reliable.

    You have to insure it before you drive it home so get some quotes as you might be surprised at how dear it can be.
    This space for hire.
    • PasturesNew
    • By PasturesNew 12th Oct 16, 10:26 PM
    • 55,989 Posts
    • 321,730 Thanks
    PasturesNew
    • #6
    • 12th Oct 16, 10:26 PM
    • #6
    • 12th Oct 16, 10:26 PM
    If you buy a car from a dealer, they quite often offer you a "free insurance" thing, where they give you a few days' insurance for free, hoping you'll then continue with their company and they'll trouser a commission.

    Else, you phone up and get it insured before you drive off the forecourt.

    Else, you find somebody else who is insured for "any car" and get them to drive it home for you.

    Else, if the place isn't far from home (say 1-2 miles) ask if they'll drop it off to your home.
    • weeowens
    • By weeowens 12th Oct 16, 10:53 PM
    • 77,906 Posts
    • 9,588,349 Thanks
    weeowens
    • #7
    • 12th Oct 16, 10:53 PM
    • #7
    • 12th Oct 16, 10:53 PM

    Else, you find somebody else who is insured for "any car" and get them to drive it home for you.

    Else, if the place isn't far from home (say 1-2 miles) ask if they'll drop it off to your home.
    Originally posted by PasturesNew
    Only good if you then SORN it:
    https://www.gov.uk/vehicle-insurance/uninsured-vehicles

    Quote;

    You must have motor insurance for your vehicle if you use it on roads and in public places.
    You do not need to insure your vehicle if it is kept off the road and declared as off the road (SORN). This rule is called ‘continuous insurance enforcement’.
    If not, you could:
    • get a fixed penalty of £100
    • have your vehicle wheel-clamped, impounded or destroyed
    • face a court prosecution, with a possible maximum fine of £1,000
    It doesn’t matter who is driving the car - if you’re the registered keeper, you could get penalised.
    • Rain Shadow
    • By Rain Shadow 13th Oct 16, 11:54 AM
    • 1,415 Posts
    • 2,574 Thanks
    Rain Shadow
    • #8
    • 13th Oct 16, 11:54 AM
    • #8
    • 13th Oct 16, 11:54 AM
    Just passed my test I'm 36 never needed to drive in past but need it for work.
    Was looking at getting a 2nd hsnd yaris for 1500-2000 on a 0% purchase card.
    I've heard from people and reviews these are generally reliable cars with decent fuel economy and insurance. Yaris is decent, if uninspired choice. You could do a lot worse on reliability and economy. Insurance will be much the same for similar cars. You don't say where you are in the country so actual premiums are impossible to predict but you should budget for at least £500 if you live in the sticks to a few thousand if you are in a high risk area. Your age will help but your lack of experience and no-claims record will count against you.

    So any opinions on other cars also who's best to look at for insurance and what's cheapest way of doing it? Comparison websites. Look at taking increased excess or adding an experienced driver as a named driver, even if they will never drive the car.

    Also how do you drive home from the dealership without insurance? You arrange it beforehand.
    Basically I'm pretty clueless.
    Used a diesel in my lessons but think I'll be buying petrol so daunted as I know I'll probably stall about 50 times Petrol is definitely the way to go for your usage. You'll soon get used to driving a different car.

    Thanks for any advice
    Originally posted by littletedwest

    Welcome to the never ending resource drain that is vehicle ownership .


    Good luck and happy motoring.
    Last edited by Rain Shadow; 13-10-2016 at 11:58 AM.
    • MEM62
    • By MEM62 13th Oct 16, 12:17 PM
    • 964 Posts
    • 628 Thanks
    MEM62
    • #9
    • 13th Oct 16, 12:17 PM
    • #9
    • 13th Oct 16, 12:17 PM
    Just passed my test I'm 36 never needed to drive in past but need it for work.
    Was looking at getting a 2nd hsnd yaris for 1500-2000 on a 0% purchase card.
    I've heard from people and reviews these are generally reliable cars with decent fuel economy and insurance. Most of that will depend on what kind of life the car has had so far. It is almost impossible to predict future liability of a used car.

    So any opinions on other cars also who's best to look at for insurance and what's cheapest way of doing it?

    Also how do you drive home from the dealership without insurance? You don't!
    Basically I'm pretty clueless. Based on the above question, I would agree :-o
    Used a diesel in my lessons but think I'll be buying petrol so daunted as I know I'll probably stall about 50 times You will soon get used to the difference.

    Thanks for any advice
    Originally posted by littletedwest

    ............................
    • SparkieTheCat
    • By SparkieTheCat 13th Oct 16, 6:27 PM
    • 5 Posts
    • 3 Thanks
    SparkieTheCat
    Congrats on passing!
    • littletedwest
    • By littletedwest 13th Oct 16, 7:43 PM
    • 8 Posts
    • 0 Thanks
    littletedwest
    Appreciate the help and advice.
    Cheapest insurance quotes are about 1000 so pretty steep
    • jimmy cricket
    • By jimmy cricket 13th Oct 16, 8:41 PM
    • 257 Posts
    • 149 Thanks
    jimmy cricket
    Appreciate the help and advice.
    Cheapest insurance quotes are about 1000 so pretty steep
    Originally posted by littletedwest

    Depends where you are. My daughter, new driver a couple of years ago was 2k. This is in London though. It will come down quickly as long as you don't have an accident.

    Have you tried the young driver specialist quotes? This might reduce it slightly
    • Prothet of Doom
    • By Prothet of Doom 13th Oct 16, 9:37 PM
    • 3,115 Posts
    • 3,753 Thanks
    Prothet of Doom
    If you buy a car from a dealer, they quite often offer you a "free insurance" thing, where they give you a few days' insurance for free, hoping you'll then continue with their company and they'll trouser a commission. .
    Originally posted by PasturesNew
    Beware. You get home with shiney new car having not got quoted to find that it's ££££££'s

    Get quotes before agreeing to buy car.

    Get a simple car. i.e. NOT diesel.

    Get a popular car i.e. one that back street garages can fix, because there are loads about

    The Yaris sounds like a great first car, but what about a mk4 astra - dirt cheap, loads about, and reliable enough. I've just sold a 54 plate 1.6 16V sport with 54K on the clock (and not alot of history) for £750. Just needed a cam belt - which i pointed out to all potential buyers when they phoned. - I was playing roulette with that one to be honest.
    Get a giffer spec one, like a 1.4 8V and they are buttons to insure as only old farts buy them.
    • lister
    • By lister 13th Oct 16, 10:55 PM
    • 171 Posts
    • 191 Thanks
    lister
    Used a diesel in my lessons but think I'll be buying petrol so daunted as I know I'll probably stall about 50 times
    Originally posted by littletedwest
    Lots of good advice so far.

    Re: petrol vs diesel - if you were taught to drive properly, then the process is the same. Sadly, too many instructors are lazy gets or simply poorly trained or informed, and teach inappropriately as a result.
    • lr1277
    • By lr1277 13th Oct 16, 11:34 PM
    • 496 Posts
    • 284 Thanks
    lr1277
    As well as having insurance, you need to have car tax. I have no idea on the car tax for a Yaris but you are talking about another £100 to £200, I would imagine.

    You need a valid MOT and insurance before you buy the tax. The garage or previous owner should sort the MOT out for you. You need to sort the insurance yourself.

    I have not bought a car since the rules changed on car tax, so hopefully somebody here can give you some up to date information.
    • peter_the_piper
    • By peter_the_piper 14th Oct 16, 8:55 AM
    • 24,272 Posts
    • 29,928 Thanks
    peter_the_piper


    Else, you find somebody else who is insured for "any car" and get them to drive it home for you.
    Originally posted by PasturesNew
    Are you sure about this? I always understood that the car needed to be insured anyway and that the "other" driver had to be insured as well. Happy to be corrected though.
    Millies due back at Christmas.
    • BeenThroughItAll
    • By BeenThroughItAll 14th Oct 16, 9:39 AM
    • 3,463 Posts
    • 2,773 Thanks
    BeenThroughItAll
    As well as having insurance, you need to have car tax. I have no idea on the car tax for a Yaris but you are talking about another £100 to £200, I would imagine.

    You need a valid MOT and insurance before you buy the tax. The garage or previous owner should sort the MOT out for you. You need to sort the insurance yourself.

    I have not bought a car since the rules changed on car tax, so hopefully somebody here can give you some up to date information.
    Originally posted by lr1277


    No, you need a valid MOT. Insurance isn't checked at point of purchase and hasn't been for several years, except in NI.
    • BeenThroughItAll
    • By BeenThroughItAll 14th Oct 16, 9:40 AM
    • 3,463 Posts
    • 2,773 Thanks
    BeenThroughItAll
    Are you sure about this? I always understood that the car needed to be insured anyway and that the "other" driver had to be insured as well. Happy to be corrected though.
    Originally posted by peter_the_piper


    Many policies do require the other vehicle to be insured, but not all. Most will also say 'excludes vehicles owned by, leased or hired to the insured' or similar.


    My Direct Line policy documents don't appear to say anything about the other vehicle needing its own insurance policy as far as I can see, and there's nothing on the certificate to suggest it either.
    • WestonDave
    • By WestonDave 14th Oct 16, 9:52 AM
    • 4,955 Posts
    • 8,375 Thanks
    WestonDave
    If you want a cheap car to run I'd consider getting a fairly basic model if you can as there is less to go wrong - my little Jazz doesn't have air con or remote locking and is still a nice runner at 8 years old. I wouldn't say there was anything wrong with the Yaris but if you find it just doesn't feel right you could have a look at a Jazz as the reputation for reliability is similar. The Jazz also tends to be a bit of a little old ladies car so again the insurance might be kinder.
    Adventure before Dementia!
    • panika
    • By panika 14th Oct 16, 6:25 PM
    • 125 Posts
    • 133 Thanks
    panika
    I own yaris and it is my first car. Mine is 13 years old. To be honest I find it quite reliable. I've had it for 2.5 years. There is not much to go wrong with it (although I had to transplant the gearbox, so if you are thinking about purchasing one take the person, who knows about car, can pin point strange noises, gearbox was playing up when I bought it, it could be checked on proper test drive).
    It has electric power steering and timing chain. Tyres are cheap to replace, because wheels are tiny. Over all I am happy with the car, but I am thinking about replacing it with someting else within next two years because of its age.
    £1000 insurance is average quote for small car and main freshly passed driver being 30-40 years old. You can lower the quote by higher excess (mind, that will be deducted in case of any accidents) or adding experienced driver as additional driver (not main driver) to insurance.
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