To spend or not to spend

[Catalyst]

Bit of an essay but i really need help on this one, im stumped.

Right well i've been learning to drive the past few months and i'm now ready for my test. My dad has said i can have his 04 1.2 clio sport for free! . The only problem is the cheapest i can find insurance is about £1300 TPFT with both him and my mum on the policy (mum as main driver).

Now, my bike insurance runs out in June and will probably go up as i had a crash which was my fault this year. I can't afford to insure both as im at college with only a part time job, but i have my premium bonds from my nan which could pay for my car insurance which in turn means i can insure the bike for another year. Is it worth spending money my nan has put away on insurance?

Might just insure the bike for 6 months from june which will take me through to winter, i don't need a car as i don't mind riding in all weather but it would be more practical atm. What do you guys think?
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|--Previous--|:2007 Aprilia SX50...--Current--|: 2007 Kawasaki ER-6N
SlimRick - I can cook really well - but it's a useless skill, as I'm not a woman and it's their fucking job!

[McGee]

Take the car man,

Ring around on the insurance and play people off of one another.

"Oh I got a quote for £900 off of so and so can you match it or better it"
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Its pronounced Jixxer!

[iCraig]

Have the car! And remember fronting is illegal if you turn out to be the main driver!

[Harold_Shand]

You can smoke weed and shag in the back of a Clio

I'd say most people on here would go for a car 'full-time' if it came down to it.

Sell the bike and use the money for your car insurance, bikes will still be around in the next couple of years.
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BCF's 6th favourite poster 2009-2010

Harold_Shand's theory might be the best explanation.

[G]

I presume the car's worth a bit and the 'sport' will seriously bump up the insurance for a young'un. Could probably get an older cheaper car and insurance for less than the price of just insurance for that I reckon.
So depends how much the prestige of having an 04 'sport' is worth to you .

[pyx_e]

Have the car. Sell it. Get a punto or some low insurance thingy. Best of both.
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Shiney!
Kawasaki: ER5, Versys, VN900.

[Robby]

Going against the grain a bit - You're at college and working a few hours a week, so having both isn't worth it.

If you insure the car now, then in a year you'll have insurance that just expired and no savings to pay for next year's.

I would ride/drive whichever I could afford to use.

Car insurance will be cheaper next year. Run a quote through swiftcover to check though.

One final thing - if you stop riding will you fuck off?

[Catalyst]

Thanks for the replys, i think deep down i know i would want a car for practicality. I finish college in June and will be working full time from the September anyway so i should be able to afford the insurance for next year.

I'm going on a bike tour in August next year as well so i want to keep my bike for at least 1 more summer. Surely you can't get done for fronting as they wouldn't know who has driven X amount of miles?

[MaybeGuy]

reliant rialto 1989
@ 19, £400 tpft
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Blue_SV650S wrote: it was a sh1te wheelie, but it proves that he can get it up in 3rd and can do angles. In summery, mattsprattuk is a gobby little sh1tebag, dopehead tw4t, but sadly for all of us, he probably isn't THAT full of sh1te!!
Kickstart wrote: Hi I tend to agree with Matt. All the best Keith

[Pie-Roe]

[The View Askew]

Dont fart arse about with named driver, clearly the insurance companies have caught on to this, hence your price.

Shop around, try Quinn Direct I've known them to be cheap before, also try Footman James, they kick utter anus for insuring strange vehicles and seem to treat you as an individual rather than a boyracing little cnut.

I would suggest selling the clio, and seizing a mk3 astra 1.4-6 or something similar, you will soon grow sick of the gearing on the clio, beleive me.

The amount of money to drive a bigger engined car ain't as much as you'd think, and that quote you had will nearly halve after year 1.
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"Do what you always did, get what you always got"

[m0l0t0v]

[J D]

Only about 500 quid for me to get insured on my mums 1.4 corsa, and im not the main driver.

[G]

[Wafer_Thin_Ham]

[Catalyst]

I would sell the clio and buy an older car, but i feel it's a waste really? Not many people can afford a good condition 04 car and also an older car will cost more to keep running in terms of fixing it and the like.

In the long run an older car will cost the same anyway, might just wait till next winter to insure the car. That way i can save for insurance and keep the premium bond money i have, as well as keeping the bike.

Sure i can get the insurance down to £1000 if i call around.
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|--Previous--|:2007 Aprilia SX50...--Current--|: 2007 Kawasaki ER-6N
SlimRick - I can cook really well - but it's a useless skill, as I'm not a woman and it's their fucking job!

[G]

[m0l0t0v]

[G]

Named driver should make a decent difference. An older car does everything a newer car will do from a utilitarian sense. Generally the lower model newer hatchbacks aren't really that 'luxurious'.
If you're happy to forgo the convenience for the sake of being seen in a newer vehicle, <shrugs>, 'sup to you .

[Kickstart]

[Wafer_Thin_Ham]

You can also rag the shit out of older cars and not feel bad.
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[m0l0t0v]

[Wafer_Thin_Ham]

[m0l0t0v]

[G]

Named drivers work with others as well (I have several people named on my van insurance, for instance). In some cases adding an extra driver onto your insurance may bring it down too... and of course is entirely legal as this is just giving them the option to drive it. I've done this in the past; adding bendy onto my insurance soon after I passed my test knocked £200 off it!

Insurance on old mini's isn't that great if I remember. Try an eighties Fiat Panda, Nissan Micra or similar; obviously all with the smallest engine they offered, etc.
Not sure if I'd want to be seen in a bottom-of-the-range 1 series , but that does sound like a nice option.