About To Buy My First Car!

KellyKoo

SensibleSarah wrote: »

I passed my test in 2013 but was a little older than your average passer - 34. I actually bought a Hyundai i10 1.2 as my first car from main dealer, two weeks after passing my test. Car was just over a year old (12 plate), 8,000 miles on the clock an cost me £6k - so yours seems rather overpriced in comparison although presumably has some extras and is auto which may be bumping the price up. Mine still had nearly 4 years manufacturer's warranty & 2 years roadside assistance.

Great little car that served me well for 2 years until I decided I needed something bigger.

Insurance was a bit of a pain, but not to the same extent as you. First year was £1400 with my mum as a named driver (who has over 10 years of no claims) but was quoted up to £8k by some insurers with same details. Obviously the area you live in can have a big influence on that too, as well as your profession.

When I was thinking about changing car I did lots of insurance comparisons on various makes and models - the ones with more powerful engines tended to come out cheaper than your little runarounds as they are considered lower 'risk' in some cases. When I bought my current car, a 1.6L diesel doblo, it cost me about £300 less to insure than the tiny Hyundai in year 3.

Thanks for that, I'm 37. I suspect the fact I am 'Unemployed Due To Medical Issues' could push the price up, and also I don't live in the greatest area of town, however my car will be parked up in a private gated car park.

KellyKoo

I am wondering if going back and taking a test for a manual car will make any difference to insurance costs.

[Deleted User]

I bought an ex motorbility car, three years old ,with only 3000 miles on the clock a few years ago for not much more than you re paying.. bought mine from CEJ 3000 ( Doncaster Area ).. These specialist ex motorbility dealers usually have lots of small autos..Honda Jazz, Nissen Note , Polo s etc..They re all serviced .Only 3 months warranty tho..I counted mine as "just run in " with that sort of mileage.
Personally I d get the manual test taken and passed. It will limit you all your life sticking to the autos.
Had a quick look at CEJ 3000 last week, he had a 3 year old Kia Picanto ( I think ) with only 3500 miles at just over £5k

BeenThroughItAll

sacsquacco wrote: »

I bought an ex motorbility car, three years old ,with only 3000 miles on the clock a few years ago for not much more than you re paying.. bought mine from CEJ 3000 ( Doncaster Area ).. These specialist ex motorbility dealers usually have lots of small autos..Honda Jazz, Nissen Note , Polo s etc..They re all serviced .Only 3 months warranty tho..I counted mine as "just run in " with that sort of mileage.
Personally I d get the manual test taken and passed. It will limit you all your life sticking to the autos.
Had a quick look at CEJ 3000 last week, he had a 3 year old Kia Picanto ( I think ) with only 3500 miles at just over £5k

At 1000miles a year, I'd count that as 'pre-ruined'. All that horrible acidic oil sloshing around before its annual bonnet-lifting... Makes me sad.

KellyKoo

sacsquacco wrote: »

I bought an ex motorbility car, three years old ,with only 3000 miles on the clock a few years ago for not much more than you re paying.. bought mine from CEJ 3000 ( Doncaster Area ).. These specialist ex motorbility dealers usually have lots of small autos..Honda Jazz, Nissen Note , Polo s etc..They re all serviced .Only 3 months warranty tho..I counted mine as "just run in " with that sort of mileage.
Personally I d get the manual test taken and passed. It will limit you all your life sticking to the autos.
Had a quick look at CEJ 3000 last week, he had a 3 year old Kia Picanto ( I think ) with only 3500 miles at just over £5k

We have a car dealer near me who deals with ex-motability cars, initially I did look at one or two with him, but they were more expensive than the Hyundai.


_____________


Swinton's cheapest quote is £8961 as of this morning... And one of their questions is asking about why you have a medical condition declared to the DVLA, they ARE the only insurer to ask about the condition in detail. Stated Type 2 Diabetes (since 2005). God knows what it would have been if I have mentioned past mental health issues - both conditions declared to the DVLA


£8961


Surely this is boarding on discrimination! :eek:


Actually I think it is... I just went back through Compare The Market, added all the same details, including the restricted 3 year licence, recent claim on relatives insurance but changed that I worked part time in retail.... AND it has brought the insurance down to the cheapest yet to £2201 with Admiral (+ a black box)


So clearly I am being discriminated against for being 'Unemployed Due To A Disability!' I might put it through again now, adding that I do 'voluntary work', see then what it comes up at.

KellyKoo

And if I do voluntary work (which I have in the past) it gives me insurance quotes of £2221 which whilst expensive, it more realistic for me at the moment!

BeenThroughItAll

KellyKoo wrote: »

We have a car dealer near me who deals with ex-motability cars, initially I did look at one or two with him, but they were more expensive than the Hyundai.


_____________


Swinton's cheapest quote is £8961 as of this morning... And one of their questions is asking about why you have a medical condition declared to the DVLA, they ARE the only insurer to ask about the condition in detail. Stated Type 2 Diabetes (since 2005). God knows what it would have been if I have mentioned past mental health issues - both conditions declared to the DVLA


£8961


Surely this is boarding on discrimination! :eek:


Actually I think it is... I just went back through Compare The Market, added all the same details, including the restricted 3 year licence, recent claim on relatives insurance but changed that I worked part time in retail.... AND it has brought the insurance down to the cheapest yet to £2201 with Admiral (+ a black box)


So clearly I am being discriminated against for being 'Unemployed Due To A Disability!' I might put it through again now, adding that I do 'voluntary work', see then what it comes up at.

That's ridiculous. It is not discriminatory for an insurer to require you to pay more for them to indemnify you against risk, when if, in their underwriter's eyes, that risk is increased by a medical condition.


Your diabetes puts you at greater risk of eyesight problems, such as blurred vision, and fatigue, and hypoglycemia could result in even greater risk due to decreased cognitive function or even a loss of consciousness. No matter how well-controlled your condition is, these are REAL statistical risks based on REAL people.


Should your insurer charge you the same amount as someone who does not carry these additional risks? Absolutely not.


It's also true that unemployed people do present statistically more risk as they are also, statistically speaking, more likely to live unhealthy lifestyles, including drinking, substance abuse, high-fat diets, etc - all of which contribute negatively to the risk they present as drivers.


You may not like the truth, but there it is.


Don't forget when you go to the actual insurer from the comparison site, they will confirm all of the details you've given, so the quote may well change; and I'm sure I needn't point out that stating you do voluntary work now if you do not would represent fraud; and an insurer WILL check these things out if they're suspicious about the details you've given and they want to avoid paying a claim in the event of an accident.

Silver-Surfer_2

KellyKoo wrote: »

We have a car dealer near me who deals with ex-motability cars, initially I did look at one or two with him, but they were more expensive than the Hyundai.


_____________


Swinton's cheapest quote is £8961 as of this morning... And one of their questions is asking about why you have a medical condition declared to the DVLA, they ARE the only insurer to ask about the condition in detail. Stated Type 2 Diabetes (since 2005). God knows what it would have been if I have mentioned past mental health issues - both conditions declared to the DVLA


£8961


Surely this is boarding on discrimination! :eek:


Actually I think it is... I just went back through Compare The Market, added all the same details, including the restricted 3 year licence, recent claim on relatives insurance but changed that I worked part time in retail.... AND it has brought the insurance down to the cheapest yet to £2201 with Admiral (+ a black box)


So clearly I am being discriminated against for being 'Unemployed Due To A Disability!' I might put it through again now, adding that I do 'voluntary work', see then what it comes up at.

Restricted licence for type 2, so I take it your non insulin medication can cause hypoglycaemia.

So health conditions and unemployment are both reasons for high insurance along with your inexperience and accident history.

Are you doing all these checks with your own details? If so then you should realise that not disclosing previous claims, medical conditions and then later disclosing them is all held.

Maybe thats why the quotes are increasing. They feel you are being dishonest to get the best price and simply don't want your business.

foxy-stoat

KellyKoo wrote: »

I won't get finance, I am convinced I won't, just come out of a DRO last month. A relative is lending the majority of the money via a personal loan, which I am paying back. We did think about them getting finance for me, since they have a better credit rating than me, with some credit history, although they are retired they have a good income.


Just got another insurance quote for over £4500, I think I am being priced out the market! Almost wishing I've never learned to drive!

This isn't going to end well!

Try a Yaris 1000cc for around £1200-£1500, build up no claims bonus and then got finance and buy the car you really want.

And yes, you need to declare all accidents/losses.

[Deleted User]

BeenThroughItAll wrote: »

At 1000miles a year, I'd count that as 'pre-ruined'. All that horrible acidic oil sloshing around before its annual bonnet-lifting... Makes me sad.

Makes me very happy ! here I am 30,000 miles on and 5 years down the line without a fault. Engine is smooth and quiet.Gone through last 5 M.O.T.s without a hitch apart from wipers.
I m a diabetic, type 2, no insulin injecting needed and I m told I can t get a "hypo " on my current meds. No need to tell DVLA anything