Advice Please: is this a good deal for 19 year old?

CashbackAndy

Just recently passed test, 19 year old male...

Been offered a brand new Citroen C1 Connexion for just under £200 per month with no deposit, and an upfront payment of £1000 for the first years insurance through Citroen (it's free for those with no NCB, but since I don't have that there's that premium).

This is the cheapest insurance that I've ever had quoted to me, and whilst £200 a month is obviously a lot it's not out of reach.

It's from a Citroen dealer so all legit, and Citroen do the 'payment waiver' where you could defer payments if you become unemployed and then, if you don't find another job after x months, you just give the car back.

It's the best I can find, is it the best deal out there for someone in my situation?

Dukesy

Ok so you're young and you've just passed... Why for the love of god are you getting a brand new car? Ultimately, you WILL end up paying more with this brand new one - why not just get yourself something small and second hand that you can own outright and that no-one will repossess thus !!!!!!ing up your credit record if you ever can't pay the finance for some reason?!

Hintza

How long is the deal for and what happens in year 2, year 3 etc?

phill99

Don't be tempted.when the subsidised insurance with Citroen finishes in a years time you will either struggle to get insurance for a 20 year old on a virtually brand new car or it will cost you £4000.

A cheap runabout which won't cost the insurance company £10k if you write it off is the best way forward.

anotherbaldrick

If you have only just passed your test don't buy a new car . Wait till you have learnt the lesson of indiscretion verses inevitability. Both our Grandaughters who are sensible kids saw their first cars off to the scrappies having learnt that invulnerability is not included in a test pass.

Dukesy

anotherbaldrick wrote: »

If you have only just passed your test don't buy a new car . Wait till you have learnt the lesson of indiscretion verses inevitability. Both our Grandaughters who are sensible kids saw their first cars off to the scrappies having learnt that invulnerability is not included in a test pass.

This. I think I was the only one in my group of friends when we all passed that didn't have an accident of some form (be it a write off or just a dent) within the first year or so.

You need to be sensible and have a good look at non boy-racery cars. Just because a car is small does not mean it will be the cheapest to insure. The first car I bought after passing my test was a 1998 1.4i Honda Civic. It wasn't cool, but it was a great motor, cheap to buy, cheap to run and importantly, VERY cheap to insure as boy/girl racers do not tend to put R reg Civics into trees/houses/people/other cars on a regular basis.

DantheMan

My first car cost me £900 to buy and just over £2.5k to insure, it was a 99 Fiat Punto 1.2 Petrol, 3 door, I was 18.

I'm now 26 and driving a similar style and power of car and my insurance is still around the £800 mark, mainly because i've had an accident (luckily, no one else involved and i was in the car on my own)

That car was a mondeo, nice 2.0 diesel with sporty trim and wheels etc (all as standard) i had bought, cost me £4.5k and about £900 to insure at the time because i had a few years NCD with my insurance company.

After the accident (i was 24) it would have cost me nearer the £2k mark again to insure my current car, i decided to wait until i was (only a couple of months away) 25 and the insurance dropped to £800.

So moral of the story; buy cheap when you first pass, get some experience that WILL include bumps and scratches and possibly a write off

Get a couple of years No Claims and THEN get a nice car, otherwise your wasting your time, i'm a prime example of how not to do it!

smjxm09

My son who is 18 and passed his test 6 months ago is picking up a 13 plate new Kia Rio next week. I can understand the thinking about getting a cheap car at first but cheap can mean big unexpected repair bills.

Insurance is just £1284 with a tracking box fitted. 7 year warranty and with an upfront payment of £299 no service bills until 2017.

wba31

smjxm09 wrote: »

My son who is 18 and passed his test 6 months ago is picking up a 13 plate new Kia Rio next week. I can understand the thinking about getting a cheap car at first but cheap can mean big unexpected repair bills.

Insurance is just £1284 with a tracking box fitted. 7 year warranty and with an upfront payment of £299 no service bills until 2017.

until he tries to start it while its in gear, forgetting that it is in gear and it jolts forward and hits a wall, or he misjudges the turn in the car park and scraps a pillar or kerbs the wheels.

I had the JOY of a G reg Nissan Micra for my first car, i paid £100 for it. I scraped walls and hit posts and bits went wrong, but I got all my parts (body and mechanical) from an Japanese specialist scrappy in Aston, Birmingham (they are no longer there as the big Tesco by Villa Park is where they used to be) and I probably spent no more than an extra £200 on putting things right. Had my parents offered me a Kia Rio as my first car I would have rather have chopped my testes off, my micra was mine, i paid for it from my pub job, i put stereo in it that quadrupled the value of the car. I drove it how i damn well pleased, without some big brother type black box recording my every move, and when it died, i bought another one. I really learnt to drive in those cars, I learnt that you cant negate a wet roundabout too quickly, i learnt about stopping distances when doing 70 in a 30, i also learnt about repairing an engine rather than just handing the keys back to the garage, a 7 year warranty wont do much good if you break down in the middle of Snowdonia or the Scottish Highlands...

I hope your son enjoys his new found "freedom..."

worried_jim

Strewth! Some people need a lesson in economics. Sit down and add up the total cost of buying and running a new car, factor in the massive depreciation. Now work out the bill for running a ten year old car that cost less than £1k. See the difference, that's what you are wasting on your seven years trouble free motoring.

gilbert_and_sullivan

Seems an odd way to start ones driving and probably working life, in hock for a shiny car thats plumetting in value from the very second its registered.

Only bought one new vehicle in 40 years of driving, won't be buying another.

They still cost money, inevitable costs such as servicing, repairs not under warranty, normal wear parts, and damage howsoever caused, then we come to the big ones of depreciation and interest repayable.

I'm with the above, buy an unfashionable older used car preferably previously owned by the sort who look after their cars, ie older solvent people, then look after it well and enjoy cheap throwaway motoring.