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Buying a first car - diabetic/insurance - dan.hall

Hi there. Looking to buy a first car very soon. There are plenty of threads around the internet dealing with this, but my requirements are a bit more specific.

I'm 25, full time employed and therefore can't be classed as a 'speed demon' or a teenage driver.' : D

I'm very careful and conscientious on the road! I'm also a Type 1 diabetic (I was diagnosed @ 21, hence why I havn't learned to drive earlier), but have been cleared to drive by my doctor as I'm in full control of my illness. This extra worry only makes me even more cautious as a driver, and I'm also aware that finding reasonable insurance as a diabetic can be a challenge.

I need a solid car that can survive plenty of long journeys - fuel consumption is important - preferably something with a bit more grunt than the usual 'starter' car (no smartcars or Citroen C1s etc). I know as a first driver I shouldn't be setting my sights too high as there's always the worry of a first accident. Someone suggested a 1.6 Ford Focus, but i'm cautiously considering that might be a bit ambitious for a first drive, but as a few instructors use this car to teach, perhaps not?

I was taught to drive in a 2000's Vauxhall Corsa, and then my instructor changed to a new Peugeot 207. I need something cheap to service, and cheap to run and insure. The initial purchase price of the car isn't that important as long as I get the right car.

Does anybody have any ideas?

Edited by dan.hall on 27/10/2011 at 11:29

Buying a first car - diabetic/insurance - Ethan Edwards

Yeah your NOT a standard risk - so I don't think meerkats or opera singers will be much good for you.

I suggest you contact an Insurance Broker or see the Diabetes UK website - they run a motor insurance scheme and their website has a contact number for quotes etc.

That said usual new driver stuff applies I expect. I do know that Type 2 isn't an issue for most mainstream insurers but have no experience with Type 1.

Best of luck and Hope that helps,

Buying a first car - diabetic/insurance - Paul G1pdc

my sons type 1, and has been since he was 3, hes now almost 9.

but from the JDRF (great diabetic charity) I have come across this issue before.

for anyone who doesn't know the difference between type1 and 2, a type 1 can have a hyperglycaemic episode a type 2 can;t. a type2, still has typically a working pancreas producing insulin but at a slower rate than a "normal" person. (and usually doesn't need to inject insulin)

With type1 the pancreas for some reason has given up the ghost and called it a day. hence the reason why a type1 needs to inject insulin or use an insulin pump it can happen at any age and is not a diet affected condition (the RISK of type2 CAN be bought on with poor diet and old age).

A type 2, can;t slip into a coma (having a hypo) by going sugar low....as the pancreas to an lower extent still works...a type1. is pretty serious with vision and judgment impaired by the low blood sugar levels. I've read that a type2 won't pay much extra for insurance but a type1 is typically 10% more than average. and as the poster knows you can;t get a lorry driving, police or army job.....

good luck with the type1. it can make some things a challenge. but challenges are there to be worked on. my son still plays football in a local team twice a week with blood sugar tests before/half time and at the end. with sugary drinks to keep his levels up and counterbalance the amount hes burning....

paul

(ran the london marathon in 2009 and 2010 for JDRF AND DIABETES UK.

diabetes uk, is more for type2......do a google search on JDRF....superb little charity..

GIVE JDRF A RING THEY WILL BE ABLE TO HELP YOU IN THE RIGHT DIRECTION IS A CHARITY THATS NOT TO BIG FOR ITS BOOTS LIKE SOME....

oh a work mate who become type1 when he was 17, and was driving, always used to carry around polos and digestive biscuits in the car,,,just in case...but i'm sure your like my son, and carry a small sports bag with blood test strips and sweats etc for hypos.

Buying a first car - diabetic/insurance - Glaikit Wee Scunner {P}

Use confused.com and fill in the answers truthfully. No problem if your condition has been notified to DVLA and you are allowed to drive under a limited , say, three year licence.

Age and lack of experience is likely to be the main reason for any high premiums.

I have used the very friendly and helpful Diabetes UK for travel insurance in the past as other firms would not quote. Other firms will now quote but the prices are very similar.

I've been Type 1 since 1995.

Edited by Glaikit Wee Scunner {P} on 27/10/2011 at 12:59

Buying a first car - diabetic/insurance - Glaikit Wee Scunner {P}

And expect your insurance to be well over £1000. So factor that in for your total budget.

I'd stick to a low insurance group car until you build up a NCD (no claims discount).

Buying a first car - diabetic/insurance - oldtoffee

Can't help on the Type 1 questions but my son's insurance went down at 20 when he changed from the 1.2 Clio he learned and passed in to a 1.9 passat diesel auto that was worth 4 times as much. It was less than lots of other smaller engined cars eg C2, Corsa, Fiesta (the boy racers choices) so we guessed as it wasn't the typical choice for a 20 year old that it may have been judged less of a risk. Good luck.

Buying a first car - diabetic/insurance - retgwte

Can't help on the Type 1 questions but my son's insurance went down at 20 when he changed from the 1.2 Clio he learned and passed in to a 1.9 passat diesel auto that was worth 4 times as much. It was less than lots of other smaller engined cars eg C2, Corsa, Fiesta (the boy racers choices) so we guessed as it wasn't the typical choice for a 20 year old that it may have been judged less of a risk. Good luck.

fiat panda is still a great first car my wife is diabetic and elephant cover her no problem

Buying a first car - diabetic/insurance - dan.hall

Thanks all for the advice : )

I'll definitely be sticking to a one litre engine. Even that brings me up to about £1,400 annual insurance. Strangely enough, I don't think my diabetes really contributes that much to the high cost, which is not what I expected at all. In which case getting specialist insurance won't really help me that much I think.

I'm now just getting quotes on 1.0L cars, hoping to find something that doesn't come in that category of 'boy racer car.' I'll look at all the cars mentioned above.

Thanks

Buying a first car - diabetic/insurance - RaineMan

When a friend's father gave up driving his son took over the the elderly gentleman's Mk II Escort. He got a significant refund and a pleasant surprise upon renewal. Cars like the Mk I/II Escort, Morris Minor, 2CV and Chevette tend to be significantly cheaper to insure and maintain than their more modern brethern.

Buying a first car - diabetic/insurance - Bobbin Threadbare

I had a Ford Focus 1.6 as my first car. £800 insurance, at 24 years old.