Ok well RF Junior is looking for his first car.
Insurance (for a 17 year old) is the prime mover here, Basically it means 1.1 106, 1.1 saxo, possibly polo.
He has £800 pounds to spend (1200 saved for insurance!) so we are looking at
96,97,98 Saxo 1.1's and 96, 97, 98 106 1.1's
three favours please guys,
1/ what problems do I need to look for on these (50-100k miles mark)
2/ If you see one nearby up for sale in your street , within 30 miles of woking, tip me the wink please.
3/ Tips for insuring young *male* drivers.
cheers
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TourVanMan TM < Ex RF >
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'98 on Clio II 1.2 (like Nicole's non?) 4 Star Euro NCAP, much better than any other small car that side of 2002. Might be a problem at 800 quid unless very high mileage or in need of TLC.
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Clio 1 (facelifts) only at that price, I am afraid
Cracking example on Auto trader to the right, Seller claims it only has 60k miles on the clock, and has a piccy of the speedo to prove it. Its a classic view of a clocked speedo, the 6 of 60k is so far out of line as to be unreadable
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TourVanMan TM < Ex RF >
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2/ If you see one nearby up for sale in your street , within 30 miles of woking,
not in the street, but take a look at today's auction report on the right.
3/ Tips for insuring young *male* drivers.
i recall people on here saying that if you insure junior with nicole as a named driver (but certianly not pappa after his incident with the bus), you will probably find the quote is cheaper.
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Oldman will have a useful opinion on Fiesta models and ages. Ask him.
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On insurance, I have just renewed ours for our son, who had just had a very expensive accident - skidded off the road and demolished the front of the 54 plate micra - and managed to get it for £400 LESS than last year. Have insured the car in his name with Admiral, with me as named driver, by agreeing to take out their multiple car insurance - I will add my main car next year. This will add £300 ish for my car but overall will pay £1,150 for the two cars after discounts. On your figures, then your son would have another £200+ to spend on the car. Worth a look - you can add five cars in this way as long as they are all registered at the same address. The drivers do not need to be related.
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TVM,
Spotted this on website that I hover around like the prverbial bluebottle.
www.ukgser.com/forums/showthread.php?t=101785
Insurance would be dirt cheap.
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Ta PU.
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TourVanMan TM < Ex RF >
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Very reasonable?
tinyurl.com/39qczw {Link to autotrader shortened as previously screwed up the page width - DD}
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Very reasonable?
Recalling another thread.
"...One former keeper from new,owned by elderly couple,very good condition,....,interior looks unused,
,very reliable, genuine mileage,
first viewer of car will buy at 495.00." - Glad it is honestly priced not 494.99p.
Now what was the advice given :-)
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Just got a couple of quotes for a 17-year-old male, with Pass Plus with Quinn and either with or without with Tesco.
The quote for a 1996 Saxo 1.1 SX comes back at £1,678 with Tesco and £1,608 with Quinn - and unfortunately it's rare for anyone to beat both of those two. A Tesco Value fully comp quote was £200 more than the standard TPF&T, albeit with such a large excess that it's probably only going to pay out a couple of hundred quid even if he does claim.
If he can get a sex change for less than £800 he'll be quids in though.
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You wont get the 1300 fiesta for a good price insurance wise
It has no power steering and on this model the tyres are wider and lower and they feel/look very dated these days (i scrapped an 1100 n reg today due to emmissions failure. yes i tried but couldnt do it)
For his £800 i would recommend an 1172cc corsa forget what hj says on these ,the engines are nigh bullet proof the body is well protected against rust (just check sill holes and backs of the chassis under the boot floor) group 2 insurance and street cred to boot
I would have recommended a micra if he had been a she
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Early/mid 90's Fiesta more entertaining to drive that a Corsa though otherwise the Corsa is well worth considering.
Early MkI Clios were ahead of their time, therefore £500 spent on a tidy pre facelift 92ish 1.2 Clio with some money to attend to any issues might be a better bet than blowing £800 on a slightly later Saxo et al.
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Try Quinn Direct for the insurance. They're very cheap for me, and the service has been ok when I've needed to call them.
As for the car, I have nothing in particular against French cars but I could never bring myself to consider anything as awful as a Saxo or a 106. The Clio or a Fiesta is probably a better bet for a young lad, but that's just my personal opinion.
Oh, and if his feet are anything above a size 8 get him to take a serious test drive if you still try for a Saxo, the pedal box is tiny and I found it extremely awkward and uncomfortable on the one and only time I was forced to drive a Saxo.
Blue
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If you check you will find, as we did, that more recent cars (model for model) are cheaper to insure!
What you save on the insurance could gov towards the car - and they are generally safer!
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not sure how much the advanced driving course costs but as a parent it might be worth looking into to give yourself more peace of mind. I am not sure how much it lowers the insurance by but I am sure that you can recoup the costs of taking it within a couple of years.
regarding the first car, wouldn't you go for strength first. I started off with a Volvo 340 which stood up well to being driven into a brick wall.
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Things sure are different in the UK from here in Australia. None of my sons would touch a little hatch back with a barge pole. Girly cars. They have all got 4 lt saloons. 2 got Ford Falcons and one a Holden Commodore. They are sensible drivers (touch wood) and 3rd party only insurance is about 400 British pounds for an 18 year old on his first car.
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Well thanks a bundle expat., If junior reads this he wil be after a 4 litre falcon xr.
(mind he would have to wrestle his dad for it)
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TourVanMan TM < Ex RF >
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Well I just blew a commonly held belief into the weeds. I put a fictional 17 year old through for a quote on a 1970s Series Land Rover and the cheapest was £1800. Mind you, it wasn't with a specialist offroad or classic vehicle insurer but still, that's a lot of Wonga.
Looks like I'd better start saving for Miss ND's first insurance rather than her first car!
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Wouldn't it be better to describe RF Junior as TVB to maintain a consistent corporate image?
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I thought some companies offered NCB for named drivers - Direct Line?
If so, would it be worthwhile insuring the car in your (or Mrs TVM's) name and simply have RF junior as a named driver for the first few years until he has built up some NCB?
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I've got a Favorit looking for a new home....mostly white, tastefully accessorised with with some ferrous oxide patches, but actually very sound.
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Has he done Pass Plus? If he hasn't get a few quotes saying he has and see if the £120ish cost of doing the course will be recouped through lower premiums.
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BBD is that short for Big Bad dad?
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TourVanMan TM < Ex RF >
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Id look for absolutely the cheapest car I could find with an MOT - chances are that he will break it anyway so one you can walk away from (price wise) is best.
Saxos were sold with free insurance for years which is why they became so popular with "yoof" - many will have been thrashed/modded and are not worth considering.
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First thing I would do before considering which car is to put the details through some insurance quoting websites. Knowing how much the insurance is going to work out the budget properly.
When my step-son got his first car (a Panda on a H plate) at 18, the TPFT insurance was around £1600! It might have been more but his dad was persuaded to pay. Obviously location makes a big difference.
When renewing insurance on his current car (306 XS 1.6), now with 2 years no claims bonus, Norwich Union direct wanted around £900! Tried a few websites and got it lower but adding me or my wife to the policy seemed to make no difference in this instance.
In the end, via a callback generated by moneysupermarket.com, (Kwik-Fit called me) I eventually got put in touch with a broker called GSI Insurance Southern Limited who I was told were good for younger drivers. Insurance with them was only £600 and the policy is with HSBC.
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Junior has not yet passed his test.
Junior can not be called TVB as TVM will be changing corporate image.
Junior, being junior is specific about his choice of car within the limits of insurance. Chavs drive corsa's - we are not a chav ( however chavs dont drive saxos apparently!)
Its clio, saxo, fiesta (if we have to) or 106. or a Fiat.
thats it - nothing else - This is black and white teen thinking here remember
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TourVanMan TM < Ex RF >
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( however chavs dont drive saxos apparently!)
I can take some video footage at our local supermarket car park next Friday night and send it to you if it's any help to you ;-) Let's just say it will blow that one out of the water.
Cheers
DP
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however chavs dont drive saxos apparently! - the young man has clearly not travelled far - chav cars round here are predominantly Corsa and Saxo, with the odd Fiesta and 106 blinged up as well. I've not seen a Clio, yet.
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Listen - this is the same hoodie wearing, cap wearing, "what alloys can I have on my car and will they match the recaro seats I want buy" teen who claims he is not a chav.
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TourVanMan TM < Ex RF >
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Local yokel - I think you've hit the nail on the head, there seem to be proportionately more Chavs drive Saxos than Clios, I've just never noticed before.
Anyway TVM, I'll re-iterate, if he really *must* have a Saxo or a 106 then make him try one out for size as I couldn't get away with those silly little girl pedals for long at all, if he has big feet (mine are only 8 - 9 and I stuggled) he may have a similar problem. Fiestas and Clios seem to have much better pedal layouts.
Blue
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He has big plates, size 10/11! (depending on how undone he wants the laces according to fashion this week)
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TourVanMan TM < Ex RF >
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Chavs drive whatever their £2k will get them, with insurance. I suspect this is one of those life-altering moments where you turn to Junior and say "right, it's your hard-earned so off you go, but I won't be there with an open wallet when it breaks". Gently pointing out that by imposing his wishlist of conditions (scotta be a saxo/106/clio) he has to all intents and purposes taken away any meaningful input you may have had to offer may also focus his mind somewhat. Realising that there are consequences to decisions/dictats may be a valuable lesson for him.
No malice in that. It's very much said with half a mind on what I was like 20 years ago when in the same boat as Jr is now...... In my case it's gorra be a .... VW Golf and lo, it was the worst pile of automotive sh.... excretia ever to leave a trader's lot. Left me destitute for a fair while, that did.
I remember well the look of horror reflecting back in the hallway mirror as I heard the words "eight" and "hundred" from the insurance broker. To mitigate the damage I went with a Bradford and Pennine 6 month starter policy, if I remember rightly. Paid 60% of the annual premium but you got a full 1 years NCD at the end of the 6 months.
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Daddy has done the decent thing. Daddy & mummy provided him with 10 paid lessons with BSM (bsm chipped in with 1 free) Daddy has stolen all his birthday money from relies since year birth and stashed it in a savings account and has waved the £2600 nest egg labeled "car fund" in his face. Daddy has said I have the cash, I vet and check the car you buy.
Daddy cant and wont tell him what make of car he can have other than whats affordable as a package. The same way my father could not tell me what car to have. Choosing your car is like choosing your GF.
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TourVanMan TM < Ex RF >
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Choosing your car is like choosing your GF.
Try to get a better warranty and service deal!
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so basically we have all wasted our time
ka........... no dunt like them girly
ser..........dont exist
sera............ sierra?
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>>so basically we have all wasted our time
To be fair Stumpy didn't ask for car suggestions, he asked for things to look for on a couple of cars he already had in mind.
Oh, and that would be "que sera sera".
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Hi - ecarinsurance worth trying for 17 year olds.Have been known to beat Quinn and the others!
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>>Tips for insuring young *male* drivers.
What's Mrs. TVM's driving record like ? And does she have insurance in her own name with loads of NCD o rinsurance in your name wiht her as sole additional driver and no accidents?
Try looking for a policy in her name, starting with her existing insurer, with RF Junior declared as main driver, car registered in her name. Where you are looking for a policy with introductory discount because its her and higher rating because its him.
I discount you only because of your intimate experience with a bus.
If you don't like those quotes then I'm afraid you're largely stuffed. If there was an answer, then everybody would be know and using it.
M.
p.s.
Paid 60% of the annual premium but you got a full 1 years NCD at the end of the 6 months.
£101.60 IIRC, and depending on when you're talking of. And the NCD was only really good for BP so you had to insure with them for 18m to get 2yrs NCD that others would accept. It was quite a good approach until Swan blew them apart with £98 for 12 months even if it was a fairly scabby policy.
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I presume that Mrs TVM is a named driver on your insurance as well as having her own. Some companies will count the years as a named driver on another insurance for a second car - then put junior on as a named driver to build his own NCB if he can get though that first year without a claim.
The comments about pedals are very relevant, especially if he is wearing his non-chav chunky trainers! Not only were the pedals a problem but my son (6'2" size 11/12 shoe) found he had to twist his back to drive the Saxo and several similar cars. I am afraid the only way to do it is visit lots of car lots and try out the cars. It is enough to actually drive at first without compensating for a car you don't fit. We also found pre-conceived ideas of what he would and would not drive disappeared once he had sat in and/or test driven his choices.
Please please also check for safety record of car - you will know the importance of this after encountering your bus - we learned the importance when my junior had his accident in January. Both he and his girlfriend got out shocked but without a scratch - the car was a mess - a different car would have been a different story.
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No - as explained up top, I have no insurance, and no NCD. Tis further compicated in that Mrs TVM is shortly getting a co car, where she will have no insurance either.
So Baldy, how does that effect MRS TVM insuring the car as main driver with ankle biter as named driver?
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TourVanMan TM < Ex RF >
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I hope you won't let my hair get in the way of answering you TVM...
Basically your wife will still have NCD even if she does not have her own car, so what she could do is contact someone (I would suggest Direct Line as they tend to be quite reasonable and they allow named drivers to gain NCD) and ask about taking out a policy on the "new" car with her as the policyholder but him as main driver. Effectively she would be donating her "spare" NCD (by the time she is out of the co. car scheme, it will have lapsed, so there is no down side for her) and that would significantly reduce his premium, if the insco will play ball.
Also, have you still got the old Clio? Could you sell it to him for trade price or would that be social death?
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He wants the old clio, but as its worth 2k its out of his price range.
As nicole wont actually be insuring another car, then I think it will be ok for her to insure the "new" car with junior as main driver.
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TourVanMan TM < Ex RF >
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Add junior to her policy now, irrespective of what vehicle is on that policy.
State that little one will be main/significant user. State that no other vehicle, other than yours available to her should they ask. They should be happy wiht the rerating and not insist on a new policy. Obviously an additional premium will be payable. Make sure Junior as main/significant user is recored and confirmed in writing.
In due course advise insurance company of change in vehicle to whatever junior will drive. Should be a simply substitution to a similar vehicle from the sounds of it. Maybe an admin charge if you have a tight insurance broker.
At appropriate moment advise insurer that Mrs. Stumpy now has a company car but will remain a user of the currently insured vehicle.
Do it in stages. You need to make sure you are giving them all the facts, but if you give them all the facts in one go it might be too much and they may insist a new and expensive policy is taken out.
Do bear in mind that you are storing up a problem for later, albeit much smaller, since at some point he will want his own nsurance.
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Do bear in mind that you are storing up a problem for later, albeit much smaller, since at some point he will want his own nsurance.
although it may help reduce the impact, if you switch to "direct-line" (or similar who offer the same t&c) at some point as direct-line say they will give named drivers their own "no-claims discount" if/when they wish to have policy in own name. (note - i have not read their t&c for that offer ).
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Would a 1996 1.4 CL VW POLO 5 door in metallic blue be too much to insure,as I know there will be a very well looked after one coming up for sale in a couple of weeks.
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Has it been sold yet? Was thinking of something like this for my daughter.
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New Zealand still does not have compulsory insurance and you can learn to drive at 15. Similar to Australia common cars can be 4 litre Commodores or Falcons. Another common choice is a second-hand Jap import e.e. Skyline, Legacy, WRX, Lancer can be easily picked up for under $5000. Just to make things worse they are then modified. Not surprisingly NZ has a big problem with boyracers! After numerous deaths involving young drivers the police and government are currently trying to think of a solution to reduce the high accident rate. Having grown up in the UK my vote is compulsory insurance, my first car was a Volvo 343 - not really boy racer material.
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