What is life like with your car? Let us know and win £500 in John Lewis vouchers | No thanks
New Driver: Recommended Used Cars / Insurers - Mark Hargreaves

Afternoon All,

Hope all is well.

Wonder if anyone can help. My daughter has just passed her driving test, shes about to turn 18 and we are looking for a car thats good a good safety rating with insurance companies.

Would not want to be spending more than £5K, closer to £3K the better.

As a side are there any insurers we should be targeting.

Thank you all in advance.

Thanks,

Mark

New Driver: Recommended Used Cars / Insurers - Xileno

Choose a simple car with the lowest insurance grouping. Something like a Citroen C1 or its clones such as the Aygo. Buying privately at this budget will be better than anything at a garage which will most likely be a valeted piece of not much with a worthless warranty.

For insurance try one of the many one-line comparison sites.

New Driver: Recommended Used Cars / Insurers - galileo

For a new 18 year old the used cars which come to mind are : 1.0 litre Yaris, Aygo, C1 etc.

All fairly reliable, insurance should be reasonable, lots within that price range, economical to run.

LV= seem to be straightforward to deal with, not used others for years personally but my daughter has used Sheila's Wheels and seems happy with them

New Driver: Recommended Used Cars / Insurers - mcb100
Lowest quote for us in the same position three years ago was Admiral.
New Driver: Recommended Used Cars / Insurers - Adampr

In no particular (actually, alphabetical) order:

Citroen C1

Dacia Sandero

Fiat Panda

Ford Ka

Hyundai i10

Kia Picanto

Peugeot 107

Renault Twingo

Seat Mii

Skoda Citigo

Smart Forfour

Toyota Aygo

Vauxhall Adam

Volkswagen Fox

Volkswagen Up!

The Citroen, Peugeot and Toyota are the same car and the go-to for first cars as they're cheap to run and reliable. Not particularly pleasant to be in and the boot is tiny, but perfectly adequate as a run around.

The Seat, Skoda and VW Up are also all the same car. A bit nicer than the first three, but also a little more expensive to buy and run. The boot is still silly, but there's more room in the back.

The Smart and Renault are essentially the same car. I have one (Twingo) and have previously had a Seat Mii. The Twingo is better in every way apart from the nagging fear that it might break down. That's illogical badge prejudice in all likelihood. There is loads of room inside and it can carry (narrow) loads of up to 2.4m. The engine is in the back (under a panel in the boot) so not the easiest to maintain.

The Hyundai and Kia are very closely related. They seem well-liked and generally reliable. The Hyundai in particular may be cheaper to insure as they're very popular with older drivers.

Dacia Sandero is a larger than the rest and based on an old Renault Clio. It's pretty low rent, but new drivers tend to beat their cars up, so does matter?

Fiat Panda is characterful and practical. Not much of a motorway car, but very easy to drive.

Most Ford Kas at this price will be based on the Fiat 500. Not bad cars at all, but cramped in the back.

Vauxhall Adam is a Corsa with a shorter chassis. There's nothing particularly amazing about it, but your daughter may like it as the interior is a bit better than most.

The Volkswagen Fox is an older model. Whilst it's not particularly attractive, the number still around suggests that it's proven to be very robust.

From that list, I would be looking for whatever is in the best condition rather than suggesting a particular model.

New Driver: Recommended Used Cars / Insurers - Mark Hargreaves

Wanted to thank everyone for the feedback, very much thought provoking and really informative. Thank you again :-)

Edited by Mark Hargreaves on 08/08/2024 at 09:25

New Driver: Recommended Used Cars / Insurers - RT

Wanted to thank everyone for the feedback, very much thought provoking and really informative. Thank you again :-)

The list shows Peugeot 107 - the 108 should be added as that's just the later version of the 107.

New Driver: Recommended Used Cars / Insurers - daveyjp

We are in the same position, daughter passed in March and she did want a car.

However when she looked at the "need to have" v "nice to have", equation it fell firmly on nice to have, especially as all costs would be on her as she has just moved in to permanent full time employment.

For now she's using our Yaris (she paid for the insurance increase) and likelihood is in 2-3 years when insurance will be much cheaper she'll end up with it.

New Driver: Recommended Used Cars / Insurers - mcb100
I have a suspicion that the obvious new driver choices will be more expensive to insure than something more left field.
The more new drivers opt for C1/Aygo/108/Corsa/Fiesta, the statistically greater the chance of those models are of being in accidents. Hence premiums rise.
Opt for something Korean, or a 1.0 Fabia, and they may be cheaper to insure because they’re deemed ‘safer’.
New Driver: Recommended Used Cars / Insurers - badbusdriver
I have a suspicion that the obvious new driver choices will be more expensive to insure than something more left field. The more new drivers opt for C1/Aygo/108/Corsa/Fiesta, the statistically greater the chance of those models are of being in accidents. Hence premiums rise. Opt for something Korean, or a 1.0 Fabia, and they may be cheaper to insure because they’re deemed ‘safer’.

I'd agree with that. The more younger drivers are driving cars (and making claims on), the more expensive the insurance will become for subsequent younger drivers, regardless of insurance group.

While two examples (separated by nearly three decades) is certainly not conclusive, it should make the OP (and anyone else in similar position) stop and think.

Example one would be going back to the early 90's. Visiting a family friend in the Orkney Islands and discovered that the Volvo 460 (1.7 injection) sat in the drive belonged to the guys son who had just passed his test. I asked about the insurance cost, cheaper than the usual first car was the response.

Example two would be about six years ago, nephew had been taking about ludicrous quotes for a Fiesta. Fast forward a few months and I find out he has a Skoda Fabia VRS 1.9TDI (130bhp). He said the insurance was cheaper than he'd been quoted for a Fiesta 1.4 (80bhp). When I queried him further he said the the Fabia was apparently considered a "family car", and therefore a lower risk(?).

With the Volvo, I guess i can understand the logic. But absolutely baffled about the Fabia, with it being the hot hatch VRS version?!.

New Driver: Recommended Used Cars / Insurers - Engineer Andy
I have a suspicion that the obvious new driver choices will be more expensive to insure than something more left field. The more new drivers opt for C1/Aygo/108/Corsa/Fiesta, the statistically greater the chance of those models are of being in accidents. Hence premiums rise. Opt for something Korean, or a 1.0 Fabia, and they may be cheaper to insure because they’re deemed ‘safer’.

I'd agree with that. The more younger drivers are driving cars (and making claims on), the more expensive the insurance will become for subsequent younger drivers, regardless of insurance group.

While two examples (separated by nearly three decades) is certainly not conclusive, it should make the OP (and anyone else in similar position) stop and think.

Example one would be going back to the early 90's. Visiting a family friend in the Orkney Islands and discovered that the Volvo 460 (1.7 injection) sat in the drive belonged to the guys son who had just passed his test. I asked about the insurance cost, cheaper than the usual first car was the response.

Example two would be about six years ago, nephew had been taking about ludicrous quotes for a Fiesta. Fast forward a few months and I find out he has a Skoda Fabia VRS 1.9TDI (130bhp). He said the insurance was cheaper than he'd been quoted for a Fiesta 1.4 (80bhp). When I queried him further he said the the Fabia was apparently considered a "family car", and therefore a lower risk(?).

With the Volvo, I guess i can understand the logic. But absolutely baffled about the Fabia, with it being the hot hatch VRS version?!.

I wouldn't be surprised. A young (around 20) trainee former colleague of mine wrote off his lat 2008s Fiesta 1.4 petrol leaving the company car park onto a main road, driving it into the vehicle in front. He also justified driving at 90mph+ along the nearby dual carriageway because he always left home for work late. Needless to say, his insurance was barely affordable after that. He bought a diesel French supermini (if I recall correctly) to replace it.

If someone wants a low insurance premium, buy something that the safest drivers use, which will tend to be those of middle age and older, the car probably something South Korean or Japanese and not flashy.

The added bonus is that such cars are also far more likely to be very well maintained with a full (maybe even full dealership) and documented service history and one owner from new, and in excellent condition for its age.

Mates won't be impressed, but at least it'll be affordable and less likely to have previously been abused, which could impact (pardon the pun) the car's safety and longevity.

Of course, later on, when you have far more money in your pocket and a decent amount of driving experience, then your mates will be impressed as you can afford a very nice car and have the skills to drive it safely.