First car at 28 - Under £1000 all in challenge - Bristol - Please help!

Ebe_Scrooge

^^^ This


You can add another driver as a Named driver, which can help somewhat, but if you are genuinely the main driver then you must declare as such. "Fronting", as it's called, is very much frowned upon by the insurance industry, and could wind you up in a whole heap of trouble.

silverwhistle

I too didn't learn to drive until I was 28, but for more positive reasons as I was buying a house and needed to be able to transport goods. Sorry that your reasons are in more difficult circumstances.

The model I bought is irrelevant as it was so long ago, but as a friend in lodgings pointed out at the time you'll get better value from unfancied cars, and from an insurance point of view the ones not favoured by boy racers and the like. Perhaps you could put a few likely registration numbers through the insurance comparison sites?

A couple of years ago on my return from some years abroad a friend put me on their insurance for a couple of months whilst I was looking for my own car. Is that a possibility? Expensive over the longer term but it was convenient for me at the time and I didn't need to rush my purchase.

FreddieFrugal

Well dummy quote from compare the market for car insurance, got £669 from Bell, with one of those tracking devices fitted.

That was based on a random house in Bristol though and didn't know your job details, I put you as an office administrator in a charity, since all I had to go on was your earlier thread talking about working for an ethical company!
but was for a man your age having only just got licence. With an older retired relative added on as named driver.

The car was a Ford Focus 2001 1.4 petrol which i found 4 miles from my random house in Bristol for £495.

Plus £180 Tax. That would be £1341.92 all in. Which is nearly there. Insurance was paying annually so if you chose monthly would get under your limit

But it might/will be significantly different based on your actual details.

parking_question_chap

Put a middle aged woman on as a named driver. Dropped my premium from £300 to £250.

JobDilemma

IanRi wrote: »

Well dummy quote from compare the market for car insurance, got £669 from Bell, with one of those tracking devices fitted.

That was based on a random house in Bristol though and didn't know your job details, I put you as an office administrator in a charity, since all I had to go on was your earlier thread talking about working for an ethical company!
but was for a man your age having only just got licence. With an older retired relative added on as named driver.

The car was a Ford Focus 2001 1.4 petrol which i found 4 miles from my random house in Bristol for £495.

Plus £180 Tax. That would be £1341.92 all in. Which is nearly there. Insurance was paying annually so if you chose monthly would get under your limit

But it might/will be significantly different based on your actual details.

This is amazingly helpful and the type of thing that I've been doing, checking out different cars and trying different variations on insurance. Thank you so much for this! Even got a lot of the suggestions right

parking_question_chap wrote: »

Put a middle aged woman on as a named driver. Dropped my premium from £300 to £250.

Yeah, looks like adding my Dad or Mum as named driver rather than main would be really good as both have a load of no claims, seems adding an extra driver would lower the overall cost.

Prothet_of_Doom wrote: »

Last week, I blew the engine up on my honda accord, and decided that I'd buy an astra, the astra in the above link. I ended up paying £950 plus I obviously needed tax of £180.

Because I've had 3 x mk3 astras, 5 cavaliers and my son has an astra, which is almost the same.

He's 22, and last year (at 21) he paid £700 Fully comp with no NCB, although he passed his test at 17.

It is this sort of average, in fact mediocre car I'd be looking at. Unfashionable with boy racers, and young people, likely to have been owner by families, but importantly LOTS for sale.

This is great too, thanks a load! Just the type of car/advice i'm looking for.

Thanks for all your advice. If anyone has any specific cars they'd go for or other tips they would all be appreciated greatly. I understand my insurance will be higher but as i've seen quotes range from 500-1300, bearing in mind though I haven't had my licence long, age is a great factor . People in my situation at 17 would be screwed but I'm alright-ish.

Wouldn't be going for anything like a golf/boy racer car even if they are small as the insurance is always higher for them, especially as I'm a little younger.

Going to be using the car at least once a week, may be staying overnight or doing rushes out depending. Also though I'm really careful I do expect I might getting some scrapes and bumps so a hire car wouldn't be reasonable or probably affordable.

parking_question_chap

How about a polo?