Young Drivers-Finance/just add fuel deals

kellylb1993

I am currently looking to get my first car, which is on par with the stress of a degree!

some details:
I am 21 years old

Never owned a car so NCD

However, I have been passed since the age of 18 but went to university and there was no need for a car.

I did however look at the Peugeot "Just add fuel" deals and it requires me to have a min of 2yrs NCD at £179. Does anyone know if they would consider my situation and allow me the finance for a more expensive price? The site doesn't suggest anything?

I have also checked numerous price comparison sites on a lot of cars! Unfortunately money is tight so either a pay monthly deal or a car up to the value of £2000 with cheap insurance would be what I'm looking for.

Old cars such as Ford KA's and even new cars Citroen C1 (Insurance group 1) are still chucking out ridiculous quotes above £1500.

Unfortunately black boxes aren't an option as I will be driving during peak times and cannot stick to the curfew.

Any little tricks or deals that you are aware of (e.g did you know thats its cheaper to park your car on the road than a locked garage?!?)
Absolutely anything would be fantastic as I'm at my wits end! THANKYOU:j

Mr_Mink

A couple of tips.

First, stop looking at the regular first cars (Corsa, Ka, Fiesta et al), they've been bought by countless other people from your demographic and then driven into various inanimate and animate objects which will push your premium sky high. Go for the cars that attract older buyers that don't do quite so much crashing and your premiums will be a bit more palatable (think Kia Picanto, Hyundai I10, Honda Jazz (the Jazz is a very good shout) etc).

Secondly, get a person who has plenty of driving experience added as a named driver (parent, grandparent etc), this can make hundreds of pounds difference to your premium.

Overall though sadly, be prepared to have the proverbial taken until you've got a couple of years NCB.

Mr_Mink

Oh, and avoid a new car. As good as you may be, chances are highest of catching your first crash inside the next couple of years, may as well bash an older car than some shiny new one.

artystix

i agree with Mr Mink, go for a car that is considered "old lady" and not popular amongst young drivers, also get 2 older adults with clean licenses as named drivers, this will push the price down considerably

You will have plenty of time for a sporty car once your ncd is a few years ol

bluesnake

Check out those insurance terms. As a new driver, in a new car, would be very surprised if you (or any other new driver) has not had an accident, or scraped that car within 6 months.

In my personal circle there is a girl at work whom after having her license for 3 days, fiddled with the car's dash controls, and rammed full force in to a stopped car, then she blamed the people for having stopped there.

My colleague betters me though. His nephew bought a car approx 1pm and cost 2k5, told all his mates and arranged an evening out with them. He drive into town, parked up, did his stuff, looked to check there was no one behind him and reversed at speed while turning, into a bollard, writing his car off. All that was left after less than 2 hours was for him to call his mates and tell them the newer news. Actually, he called his mum whom loaned him the money, and then apparently called one mate and told him that he could no longer make it, did not disclose the reason and told him to contact the others.

Very few young people have a blemish free car. Even my mate in his lease hire car managed to scrape it within 2 months, got it fixed and scraped it again.

Sorry to put a damper on things, but this is the reality for many people, with few exclusions

clayton16749

I bought my first car in 2003, it was brand new. I had it for 3 years. The bodywork was far from perfect when I got rid of it, due to my mistakes in the first 12 months or so of ownership. I'd recommend getting an old banger for your first car.


Good advice from another user, go for a car that 80 years olds find fashionable - might help with insurance. Also, have you just done online comparisons or have you been ringing round and haggling? It can make a difference.


Good luck.

Olduserpasswordforgot

but what i cannot understand with the Just add Fuel deals is, is it really a good deal as all signs point to it being yes as it covers nearly all motoring overheads owners would normally need to cover. so the question really is

Whats the Catch with this "Just add Fuel" Deal? would love to understand this

BeenThroughItAll

Olduserpasswordforgot wrote: »

Whats the Catch with this "Just add Fuel" Deal? would love to understand this

You have to spend three years driving something like a Peugeot 2-0-hate, which you will never own, with a limited number of miles you can do, and at the end of that you'll be presented with a large bill for fixing every tiny mark, blemish, chip, or piece of wear an OCD-suffering final inspection engineer with an enthusiasm for perfection can find on it.

londonTiger

On my first car that I had for 3 years, I have caused about 4-5 light scratches on the paintwork all of them were caused in the first 6 months of ownership.

Don't buy a brand new car. Buy second hand for £2000 topps because you will misjudge spaces, miss short bollards when reversing into a bay etc and get scratches.

after some experience then consider buying a more expensive car. Insurance might be expensive if you get it yourself but almost certainly the car finance company will recoup all that from their rip off charges. Even if its 0% interest the prices wil be higher than cash price and they're cheap, low value cars to begin with. You dont get much for your money.

gilbert_and_sullivan

When money's tight, the answer is an old unfashionable car, bought outright it doesn't matter if your circumstances chnage or worsen, you can always sell it on.

Once signed up to the never never, which any of these long term rentals are, you've got to keep coming up with the money even if the car doesn't turn a wheel, then when its return time get ready for the damage bill.

Not a good start to a driving life.

rev_henry

Rover 75 diesel. My universal suggestion.