Drink driving & insurance

rev_henry

dacouch wrote: »

He has no claims bonus

I'd never thought of that. Suppose I had full NCD and got an average 18 month ban for DR10. I cancel my insurance immediately. Upon serving the ban I get insurance again immediately and I still have my NCD because its less than 2 years.

rev_henry

scheming_gypsy wrote: »

Corsa's aren't even that cheap anyway. It's not just about engine sizes but a lot of other variables; 1ltr Corsa's often attract new drivers who like to fit fart cannons, lower them (either properly or chop the strings), stereos worth more than the car, and then crash them while trying to impress their 15 year old girlfriend.

but I'll take your 6k and raise you. This is a genuine quote that I got on Sunday for a winter run around (X Reg Mondeo Zetec S), that was up for £350.

I've chopped and pasted the quote to show the difference between cheapest and most expensive.

I wouldn't touch either of the cheapest 2 with a bargepole having read horror stories on here and elsewhere, though I imagine a proper insurance company is only a fiver more or so.

Richard53

Netwizard wrote: »

Maybe even try things like a Citroen 2cv! (A second class car ride is better than a first class walk!)

Oy! Are you being rude about my favourite car?

:cool: :cool: :cool:

scheming_gypsy

rev_henry wrote: »

I wouldn't touch either of the cheapest 2 with a bargepole having read horror stories on here and elsewhere, though I imagine a proper insurance company is only a fiver more or so.

I've used first central for the past couple of years, but I don't have an expensive car. If you look closely at the excess, you can probably guess why I use them.
Car value - excess = not worth claiming (even with a reasonable excess). Keep the car and break it to get more money back.

rev_henry

Richard53 wrote: »

Oy! Are you being rude about my favourite car?

:cool: :cool: :cool:

And mine! Its a soft top. It has 4 doors. It has group 1 insurance. What's not to like?

Netwizard

Im not actually

The 2cv comment might have been a bit tongue in cheek for the OP but my nan bought me a 2cv when I was 14 to learn to drive in when I got a bit older. Unfortunately it rusted a lot and we scrapped it eventually. Hindsight is a wonderful thing, as they are now worth a fortune in good nick.

I would have one tomorrow if I could pick one up for reasonable money :beer:

londonTiger

Then authorities need to keep you off the road for everyones sakes. Hope you get something like 8 grand insurance for a beat up 1.2 car.

fivetide

londonTiger wrote: »

Then authorities need to keep you off the road for everyones sakes. Hope you get something like 8 grand insurance for a beat up 1.2 car.

The OP has served their ban and is asking for advice not your preaching! I think they are well aware they have done wrong.

Back on topic and away from 2CVs I'd say look at a classic Mini or something and a classic policy. If you need to travel a lot, a young person's railcard is going to be your best bet OP unless you want to pay these prices.

As others have said though, your history makes computers say no. Might be better, if you decide you do need a car, to speak with an independent broker who can try a few underwriters for you and actually speak to someone on your behalf. There are specialists out there.

maninthestreet

fivetide wrote: »

The OP has served their ban and is asking for advice not your preaching! I think they are well aware they have done wrong.

Back on topic and away from 2CVs I'd say look at a classic Mini or something and a classic policy. If you need to travel a lot, a young person's railcard is going to be your best bet OP unless you want to pay these prices.

As others have said though, your history makes computers say no. Might be better, if you decide you do need a car, to speak with an independent broker who can try a few underwriters for you and actually speak to someone on your behalf. There are specialists out there.

Classic car insurance policies have restrictions - probably no drivers under 25, and no business use or commuting

fivetide

maninthestreet wrote: »

Classic car insurance policies have restrictions - probably no drivers under 25, and no business use or commuting

So probably but not sure and that could be some not all? Hence the suggestion to go to a good broker and also invest in a young person's railcard if they need to travel a lot for work

The aim for me would be to get something cheap and get some no claims in but for now there is no way that buying and running a car will in budget terms be cheaper than public transport or even a pushbike.

It comes down to what the OP might need the car for.