Daughters first car

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Hello, I just had the same problem.
Looked through loads of cars and insurance quotes for two/three weeks. Couldn't really find any below £3750 (hefty hey).
I decided to take the hit in the first year, As I do not want my daughter to stop driving and loosing self confidence on the road.

I tried all sorts of policies found a few with telemetrics which were a lot cheaper but didn't go for it as I do not know anyone whose been on them and they say they put the box behind the dashboard? wasn't sure how much they will mess with the car.

Anyway best of luck, my advice get fully comprehensive policy.
Take the cash hit in the first year.

alleycat`

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.

Volvo 340 was my first ever car!
Horrid gearbox but superbly cheap to insure, mind you that as 20 years ago.
No power steering either, helps to maintain the bingo wings :rotfl:

DantheMan

juniper_berry wrote: »

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.

The Ford Ka actually has one of the best cabin protection in the group it is in, know a friend that got taken out by a lorry and escaped unscathed in a Ford Ka.

Volkswagens are like Audis, harder to insure, eg a Golf or A3 is more expensive to ensure than a Ford Focus, they also hold their value longer and you won't get a good one as cheap as some of the other models out there.

tasticz wrote: »

While getting insurance quote it is a good idea to change your name and address around a little bit, like if your house number is 10 then change to 12 or so on.

Insurance at 17 won't be cheap but it all depends on your postcode. I, 19 year old male am currently paying £3600/year because of the postcode, If i change to my uni postcode it drops by half and can get insured on pretty much any car at Uni postcode however hardly any cars at my home address.

Goodluck

I would also suggest NOT changing your address etc, mark it down for the house or place it will be staying and your daughter will be using it from, otherwise it can be considered fraud.

EDIT:

When I was 19 I moved from a 2003 Ford Fiesta 1.3 petrol (£1500 for insurance) to a 2004 2.0 TDCi Ford Mondeo (£900 insurance)

Both quotes where in my own name and fully comp!

rdwarr

atrixblue.-MFR-. wrote: »

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

My son quite enjoys driving round in the Maestro - makes a change from all the other stuff on the road

OddballJamie

DantheMan wrote: »

The Ford Ka actually has one of the best cabin protection in the group it is in, know a friend that got taken out by a lorry and escaped unscathed in a Ford Ka.

Mk1 or Mk2?
I've seen a few MK1s that have been in high speed crashes and they aren't pretty.

CKhalvashi

OddballJamie wrote: »

Mk1 or Mk2?
I've seen a few MK1s that have been in high speed crashes and they aren't pretty.

And one I will recommend for high speed crashes, is the Merc 190; I careered straight off the road on black ice, into a tunnel wall; the result was a fully working car, with a bit of body damage and a broken window. It was cheap to fix, although at this time, the 190 was a common car in Russia, and spares were readily available.

The car lasted us another 18 months after that, and the only reason I sold it, was to come back to the UK and needed an estate to cart a load of crap back!

westwood68

As mentioned; look into larger cheap cars with a lot of miles on the clock. (Rover 75 or Peugeot 406 as just two examples)

Insurance group sometimes means very little when insuring a car for a younger driver. Insurance companies tend to ramp up premiums for 'common' young drivers cars (Corsa or Fiestas for example) because of the statistics involved.

Beachview_2

DantheMan wrote: »

The Ford Ka actually has one of the best cabin protection in the group it is in, know a friend that got taken out by a lorry and escaped unscathed in a Ford Ka.

The Ka's actually not that strong in a crash. Top score in Euro Ncap crash tests is a full 5 stars, Ka scored well below this.

http://www.euroncap.com/tests/ford_ka_2008/341.aspx

http://www.euroncap.com/tests/ford_ka_2000/77.aspx