Car suggestions, asking the impossible?

[c_dug]

I'll be getting driving lessons for christmas and I've just got a new job so at some point in the next 6 months or so I'd quite like to get a car but with 6 points and a non fault accident to declare I'm not exactly insurance friendly. To add to that I want something that may offer a little grin factor (maybe RWD?).

I've resigned to the fact that nothing will be cheap until I've been driving for a few years so I'll have to take the hit until then but I'm looking for something that isn't unrealistically rediculous. The surprising winner so far is a 2.9 litre V6 Ford Granada which came in at £4000 Fully Comp. Compared to the surprise looser which was the Suzuki Cuppuccino at over £10,000!

Just to offer some comparison, the typical 1.25 zetec mk4 fiesta was around £3,500 to insure and the car costs double the Granada to buy.

So I'm after any suggestions of cars that will offer a grin and can be insured for around or less than the Granada quote, so that rules out hot hatches. Also the car needs to be buyable for less than £2000.

Lastly do I need to declare my motorcycle accident on the policy?
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I am a bellend, I am a man of constant sorrow, I am a gummy bear, I am a rock.

[c_dug]

I remember a friend had a huge lexus of some kind when he was 18 but I don't really know the lexus range. Any ideas?
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I am a bellend, I am a man of constant sorrow, I am a gummy bear, I am a rock.

[cagiva gezzer]

IF you have any motorbike NCB use these. If not and you can wait a year, build up a NCB on a bike and transfer it over.

Motorbike accident.. Depends how they phrase the question?

"Any claim or conviction?"
"Any driving claim or conviction?"

Just make sure you record the call to cover all bases.
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"because one stroke isnt enough and four strokes waste two"

[DrDonnyBrago]

[T0MMY]

Fuck me...£4000 for insurance??

MX5 is probably more fun than any other car you could buy in your budget (and well beyond it too) and it's in a lowish insurance group. Probably still too much though.

Something small and french would offer some fun handling wise. Obviously not the Gti/VTS/Rallye versions but maybe something like a 106 Xsi or something?

Actually, don't laugh but I used to have one of these...

https://skewer.co.uk/rockingham1.jpg

Actually quite good fun on road and track. They stopped calling it a gti and called it a Gsi so it dropped down 2 insurance groups I had a 416Sli as my first car and that was actually just as quick round knockhill and very cheap to insure.
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ZX6R + CBR600RR

[covent.gardens]

[c_dug]

Nobody would quote me on an mx5! Was my first choice too.
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I am a bellend, I am a man of constant sorrow, I am a gummy bear, I am a rock.

[carvell]

[c_dug]

The 4000 is a huge amount of money just to throw away, but short of waiting three years to loose my points and claim there isn't much I can do to reduce it, at least by earning some no claims it will be less next year and the year after.
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I am a bellend, I am a man of constant sorrow, I am a gummy bear, I am a rock.

[sidewinder]

You need to buy cars not associated with young drivers.Nephew just passed his test and was getting stupid quotes like yours.Then discovered korean cars are in the hundreds not the thousands to insure.Things like vectras and mondeos were very cheap to .

These are a decent car to help get up your no claims

Kia

Hyundai
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"Nitrous is like a cheap hooker, you want to hit it but are scared of the consequences

[ocatoro]

[bikertomm]

My saxo VTR came out suprisingly cheap.. cheaper than other 'usual; boy racer cars even though it's the most stereotyped

Quote for an 02/03 plate VTR and VTS, great little cars IMO.


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07' Honda Hornet now full powaah! My guide on performing an oil change!

[ocatoro]

how old are you OP?

i've been looking at insurance for my kid brother recently, he's just turned 18.

so far, the cheapest cars to insure have been...

old mk2 polos in 1.0 spec. very basic, very cool in the right hands, and an appreciating classic nowadays. (newer polos are miles more to insure)

mk1 and 2 puntos are almost as cheap, negligible difference to the polo.

volvo 340/360... i forget which one is rwd... but they can be great fun, theyre like little tanks, so you'll be safe in an off, and again like the rovers, young folk avoid them for the most part.

one i was shocked by, was metro 1.1 was double the price quoted for a punto.

if you can afford an mx5, but not the insurance, take a look at porsche 924. the 2.0 audi engined one too. it's one of the few cars which is in the same realm as an mx5 for handling (there are porsche cup racing settings readily available for your local suspension folk to dial in on the standard adjustable gear) and you would benefit from classic insurance (if youre "too young", call them. i know a lad who had 3 classic cars insured at 17 for £600 odd because he rang and argued with them). i had a 924 a couple of years ago and the insurance was 1/4 what i'd paid for my mx5's policy. parts are also very cheap due to it all being vw/audi parts bin.
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CBT - 17/09/12 * Theory - 23/10/12 * Mod1 - 05/03/13 * Mod2 - 25/03/13 * BOSH!
Current - None but shed project H100 (first bike )
Past - ER5, '93 ZZR600, '92 CB400 SF, ZZR600 (again), yellow Monster 620, Blackbird - black Monster 620ie - '96 ZZR600

[P.addy]

Sounds silly but whats a quote on L646 NNK, if it can't detect car, its a Toyota Supra.

10 claims non fault and 3 points... I was quoted £1500 FC.

It wasn't standard either.

[Villers]

Im not telling you what to do but I just wanted to offer a counter perspective! Im a big fan of 'do what you want' so if a RWD funfactory is what you have your heart set on then good on you and best of luck!

4k for insurance is a pretty amazing amount of money, Ive spent a while buying older cars and thinking I can put up with the costs and I always end up pretty sick of them, or they break or whatever. Ive recently given this up and bought a brand new car even though I always said I wouldnt, now Ive got my warranty, a fixed payment, economy, comfort, low tax, no MOT's etc. Its a fairly boring car but Ive got the point where Ive given up. Anyway, Im rambling so I'll get to the point. Manufacturers such as Peugeot are offering the personal leases where you 'just add fuel' for 3 years, insurance and everything is thrown in. If you are eligible for the insurance it means you have a new car for 3 years for as low as £200 a month and then you walk away with some more NCB etc.

Thats just an opinion, Im not saying its what you should do or anything, just that there are options if you are willing to sacrifice!

As for insurance (especially since you mentioned the fiesta) my mrs pays something crazy like £450 a year FC on her 1.4 diesel fiesta and shes 27. I phoned up my insurance company to put her on mine for my new car and it took £30 off the premium. I ran a quote for me on her car (31, 9+ NCB) and it came back at £350 with my current insurer who I was paying £400 FC for my 2.5 turbo volvo. Seems the fiestas are weighted a bit with some insurers.

Anyway whatever you choose to do, best of luck to you!!
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RS125 > CBR6 > SV650S > ZX636R > GSX1300RZ Hayabusa > 06 RSVR Mille > SV1000S > Street Triple 765 RS

[Al]

I've never driven a 2.9L granada but I bet it's not the fun car that you are after, more of a dull old gas guzzler, I'd personally rather save 500 quid and get the Fiesta , but its still crazy expensive.

For cheap insurance you need to imagine that you're about 80 and want a car to drive to the supermarket once a week. Deawoo, Kia, hyundai, the mid sized saloon models are probably the cheapest
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Yamaha FZR400RR 3tj
My Instagram Thingy

[T0MMY]

[Kickstart]

Hi

Afraid when the insurance comes out at something like £4k I would just give up on the idea.

There are loads of cars available for £2k. Not much of a restriction at all.

Also, not being funny but buying a car on the basis of rwd fun, when you have just passed your test and have no real experience is asking for trouble.

[Joenitro]

How about a rover 620ti? There's one on eBay for £500 with low miles and they go like stink

[Groove]

The rover pictures reminded me of my old 220 turbo coupe.


Ahhhh memories!
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|| Past: 1991 Kawasaki ZXR 250 ~ 2003 Honda CBR 600 F Sport ~ 2004 Kawasaki ZX6R B1H 636 ~ 1999 Yamaha R1 ~ 1999 Kawasaki ZX6R J ~ 2004 Kawasaki ZX6R B1H 636 ~ 1998 Honda VTR1000F Firestorm ~ K1 GSXR 600 Track bike ~ K6 GSXR 1000 ~ 2006 Speed Triple 1050 || Current: 2005 R1 https://www.adrucore.co.uk

[J4mes]

If you are over 25 then what about something which could be had on a classic insurance policy (if it covers commuting, some don't)

MGB GT ? https://www.ebay.co.uk/itm/MGB-GT-/261140497988?pt=Automobiles_UK&hash=item3ccd2fc644

Old mini? https://www.ebay.co.uk/itm/Mini-1000-Cooper-lookalike-/321034608566?pt=Automobiles_UK&hash=item4abf275fb6

Take both of them over a granada or a fiesta any day!

[Al]

[ocatoro]

[J.M.]

[c_dug]