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Small hatchback advice

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Pie-Roe
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PostPosted: 11:25 - 03 May 2012    Post subject: Small hatchback advice Reply with quote

Looking to get a car, primarily for my girlfriend to use in summer, but for my commute in winter as well, so a small not powerful hatchback for cheap insurance is required. She doesn't want to drive a kit car due to the amount of niggling and 'charactor' they have, which is fair enough.

So far got quotes of all under 1300 for

Punto 1.2
Fiesta 1.3
Clio 1.2
Corsa 1.0

This is with my as the owner and main driver 0ncb, driving 4 years, she passed a week ago.
Anything else I should consider?
Have looked at bigger saloons but it seems to be more expensive. Tried all sorts of cars that boy racers wouldn't normally have but still seems these four are the best to insure.
Tried estates, big old jags, landys, that shitty suzuki jeep thing.


So on these cars, I'd be looking to get maybe 98-2004, depending on price and condition (I'd much rather get an okay condition 99 than an okay condition 04 due to price tbh!)
I had a 95 fiesta SI before, it was okay, but felt pretty dated.
I like the clios
I was in a corsa that rolledover 3 times and I'm still here so I guess thats a plus?

Anyone got thoughts/experience on these cars or insurance?
Cheers
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james1988
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PostPosted: 11:45 - 03 May 2012    Post subject: Reply with quote

I had a '98 1.3 Fiesta. It was an awesome little car for what I paid for it (£850 I think) and it never let me down over the 4 years I owned. Servicing was cheap and spares were easy to come by.

A friend of mine has the same model and year and has gone around the clock 3 times with only a cambelt change and regular servicing!

James
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D O G
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PostPosted: 11:47 - 03 May 2012    Post subject: Reply with quote

Avoid the Fiat like the plague, father had one and it was the worst car I've ever driven.

Fiestas are plentiful and cheap, the 1.25 zetec is one of the nicest engines I've ever experienced. The 1.3 is not...

I love the Clios of that era - the Mk1/facelift 1.2 3dr is a super car, I've had two, enjoyed both, and found them to be reliable.

No idea on the corsa, but they are a Vauxhall, so therefore terrible Laughing
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pits
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PostPosted: 12:00 - 03 May 2012    Post subject: Re: Small hatchback advice Reply with quote

pyroforlife wrote:
Looking to get a car, primarily for my girlfriend to use in summer.
.
.
.
.

This is with my as the owner and main driver 0ncb, driving 4 years, she passed a week ago.
Anything else I should consider?
.
.
.
.
Anyone got thoughts/experience on these cars or insurance?
Cheers


So your Girlfriend is going to use the car mainly?
And you're insuring the car in your name as the main driver?
The anything else to consider would be, insurance fraud or fronting, not a smart move Wink


As for those cars, they are all pretty shit, and insurance, don't front.



Go obscure, X300 Jag can be had for pittance and insured for pittance at a young age, failing that something that was never popular as a small hatch, like a Mazda Demio or something equally uninspiring and shit.



Seriously though, don't front your insurance, insurance companies are wise to this these days, would be up to you to prove that you're the main driver of the car if your bint has a bump not that easy to do, as the insurance company will just stand there, arms folded going "nope, prove it moar MOAR!!!!!!"


As for insuring it, car in her name if it is for to use more of the time than you, insure in her name, then add yourself as a named driver, even add your mum and or dad as a named driver.
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stonesie
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PostPosted: 12:32 - 03 May 2012    Post subject: Reply with quote

Oddball idea, a BMW E30... Mine was very modified, basically a road legal track car and cost less for me to insure than a 1.2 punto. Classic car insurance Cool

Out of your list though it might have to be the corsa purely because they can be very cheap to run, the 3 pot engine is a rattly little thing but if it sounds really bad then walk away, the cam chains are known to slip and bend valves if the CCT totally shits itself.
A sloppy gear lever is about a £75 fix using parts from the dealers but if the seller doesn't know that then it can be used for some haggling.


Puntos - Chocolate head gaskets

Clio's - when they were new the sunroof would chatter because of the body flexing, brakes are pin sharp (over servo'd) and you get french reliability.

Fiesta - Rust traps everywhere but if you get a good 1.25 then they're a really good little car, front wishbone bushes can ware quickly on the older ones but the newer ones in your age range got a totally revised design... Forget the 1.3, the rattler engine is an old pushrod design first used in the ANGLIA! 30 years ago.. Anyone who tells you that a 1.3 ford has had a cambelt is a lire or an idiot, its a pushrod engine, it doesn't have a cam belt as the cam is in the block next to the crank.
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10 pence Short
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PostPosted: 12:45 - 03 May 2012    Post subject: Reply with quote

Hyundai Getz, underrated, cheap and mega reliable.
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Martay
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PostPosted: 12:46 - 03 May 2012    Post subject: Reply with quote

Quote:
Anyone who tells you that a 1.3 ford has had a cambelt is a lire or an idiot, its a pushrod engine, it doesn't have a cam belt as the cam is in the block next to the crank.


I had a 1.25 mk4 fiesta. It was a good car. Milage is everything, i havent seen a zetec engine do more than 100k, mine was on 140k when the clutch went. Combined with the cracked windscreen i had to scrap it Sad The 1.3 tappy engines last forever. Rust is the main killer on these. I had both sills welded up.
Good cars Thumbs Up
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james1988
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PostPosted: 13:25 - 03 May 2012    Post subject: Reply with quote

stonesie wrote:

Fiesta - Rust traps everywhere but if you get a good 1.25 then they're a really good little car, front wishbone bushes can ware quickly on the older ones but the newer ones in your age range got a totally revised design... Forget the 1.3, the rattler engine is an old pushrod design first used in the ANGLIA! 30 years ago.. Anyone who tells you that a 1.3 ford has had a cambelt is a lire or an idiot, its a pushrod engine, it doesn't have a cam belt as the cam is in the block next to the crank.


Sorry, that's me being thick. He had the 1.25.

James
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bikertomm
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PostPosted: 13:33 - 03 May 2012    Post subject: Reply with quote

I'm looking at getting a car that's cheap on insurance too, believe it or not the cheapest I'm finding is saxo's.

Laughing

I thought because they are the most common wank mobiles for teenagers they would be sky high, and get this

Saxo 1.1 £1154

Saxo 1.4 Furio £1212

I did them on confused.com

Then rang up my insurance company and asked them how much would it cost to change car yadda yadda...

A saxo VTR 1.6 8V costs an extra £250

And a saxo VTS 16v (120bhp) costs and extra £117.

What the fuck, so I'm just going to find a VTR or VTS hopefully Laughing

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bikertomm
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PostPosted: 13:35 - 03 May 2012    Post subject: Reply with quote

bikertomm wrote:
I'm looking at getting a car that's cheap on insurance too, believe it or not the cheapest I'm finding is saxo's.

Laughing

I thought because they are the most common wank mobiles for teenagers they would be sky high, and get this

Saxo 1.1 £1154

Saxo 1.4 Furio £1212

I did them on confused.com

Then rang up my insurance company and asked them how much would it cost to change car yadda yadda...

A saxo VTR 1.6 8V costs an extra £250

And a saxo VTS 16v (120bhp) costs and extra £117.

What the fuck, so I'm just going to find a VTR or VTS hopefully Laughing

Thumbs Up


Forgot to add, just taken out the policy that was around the £700 mark for a battered old clio 1.4. So for an extra £117 I can double the bhp.. Makes perfect sense!
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andyscooter
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PostPosted: 13:55 - 03 May 2012    Post subject: Reply with quote

wife has a skoda fabia 1.2 cracking car imo

or a vw polo or lupo
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garth
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PostPosted: 14:05 - 03 May 2012    Post subject: Reply with quote

What about a 1.5D 106?

I'm getting 60mpg out of mine.
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P.addy
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PostPosted: 14:24 - 03 May 2012    Post subject: Reply with quote

Aside from my clutch going (162,000 miles though) the Clio seems pretty hench, its the 1.9 diesel. I get 50-60mpg on a run to work amazingly Neutral Its not fast, its not cool but its an ideal car.

No turbo though. But still, I like it Thumbs Up Insurance for me is £610 FC and I have 11 claims and 3 points
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garth
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PostPosted: 14:30 - 03 May 2012    Post subject: Reply with quote

The other thing is tax.

E.g the tax on paddys clio is double that of my pug.
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bikertomm
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PostPosted: 14:31 - 03 May 2012    Post subject: Reply with quote

306 1.9 Diesels are cheap too, and some come with a turbo which sounds fun Razz


Though buying an old 306 could be risky, though so could everycar.
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daemonoid
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PostPosted: 14:34 - 03 May 2012    Post subject: Re: Small hatchback advice Reply with quote

pyroforlife wrote:
Looking to get a car, primarily for my girlfriend to use in summer, but for my commute in winter as well, so a small not powerful hatchback for cheap insurance is required. She doesn't want to drive a kit car due to the amount of niggling and 'charactor' they have, which is fair enough.


What's your budget? Guessing from the list it's £2-2.5k including insurance, in which case you need to look at the girl's / old man segment:

Smart
Mazda (MX5, 323, 2)
Alfa 147
MG ZR

The cars you mention all have McD's car park meet up written all over them and so are massively OTT on insurance. Now the non-sexual discrimination on insurance has come in the insurers are looking at secondary criteria that purely statistically ends up biasing towards sex (job, car choice being the big ones).

So, pick a car traditionally favoured by a low risk group and also depending on your g/f's job put her as the main driver - even with her limited NCD it may be cheaper (plus you can get a bonus 10% some places for new drivers).
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garth
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PostPosted: 14:46 - 03 May 2012    Post subject: Reply with quote

MX5 is a good shout.

They're fun.
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Irezumi aka Reuben
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PostPosted: 16:38 - 03 May 2012    Post subject: Reply with quote

Citroen C4. Pretty slow, but quite practical, diesels are economical. Cheap to insure.
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Pie-Roe
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PostPosted: 17:01 - 03 May 2012    Post subject: Re: Small hatchback advice Reply with quote

[quote="pits"]
pyroforlife wrote:


As for insuring it, car in her name if it is for to use more of the time than you, insure in her name, then add yourself as a named driver, even add your mum and or dad as a named driver.


Nah, cause as stated, she'll be using it mostly in summer, but in winter I'll use it to commute. 6 months of 30 miles a day is more than 6 months with the occasional trip to the shops.


As for everyone else.
Running insurance quotes for the other models mentioned, yeah budget is around the 2.5k mark inc insurance, but could stretch I guess. (eats into bike money though so not ideal!)
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Kwaks
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PostPosted: 17:06 - 03 May 2012    Post subject: Reply with quote

Get some quotes with her as policy holder you as second driver with access to another vehicle.
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Polarbear
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PostPosted: 18:45 - 03 May 2012    Post subject: Reply with quote

Ford Ka? The insurance quotes came back pretty cheap for my daughter.

She now has a Saxo 1 litre. That wasn't bad either, but it doesn't have power steering, her model anyway.
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Clanger
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PostPosted: 20:50 - 03 May 2012    Post subject: Reply with quote

Nissan Micra.
The first one I had was P reg and I ran it for 7 years until it fell to pieces...all the original things like battery, starter motor, distribution cap etc. was badly corroded and needed replacing.

So I then thought, sod it... and traded it in for £400 against my newer model Nissan Micra.

Three years later, no issues whatsoever. Only a flat tyre, which is sod all to do with the car itself.

It's also not exciting at all. But it's solid and reliable.
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400bandit
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PostPosted: 22:12 - 03 May 2012    Post subject: Reply with quote

Seat Ibiza 1.2

Mines been great (2003), just like you I bought it for the cheap insurance, I found it to be considerably cheaper to insure than similar cars.

Joe
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P.addy
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PostPosted: 22:18 - 03 May 2012    Post subject: Reply with quote

garth wrote:
The other thing is tax.

E.g the tax on paddys clio is double that of my pug.


Ouch! I pay £215 a year ish I think
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sidewinder
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PostPosted: 23:38 - 03 May 2012    Post subject: Reply with quote

Suzuki swifts are good to insure.My nephew has just bought a 1.3 swift he's 17yrs old 0ncd .£780 fully comp Very Happy .Also subaru justys you then get a 4x4 as well.
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