Cr@p cars which are cheap to insure!

[benny3008]

Can someone please give me any suggestions for rubbish old cars which would be cheap for a 17 year old to insure, I started off with a rover 214 which I struggled to afford so changed to a Fiat Cinquecento 900cc which was still quite expensive at £1700! Unfortuantely, I wrote that car off this evening and am now looking for a new car which will be cheaper than that was. Any suggestions please?

[sara3]

blimey Benny, are you okay?

okay.. small engine, low emissions (or whatever they measure the green-factor by).

[redcrx]

cant give you any ideas, as now you have a claim on policy all will seem expensive, but i hope that you are OK and werent hurt when it was written off.

[benny3008]

Yes im okay thanks, neither me or the other bloke who i hit want to claim so im lucky in that respect.

[sara3]

http://www.expertcard...-insurance-groups.htm

[RAV1D]

It's not realy about the car your driving it's about your age and the car that you may smash into and how much the insurance would have to pay out to them if you crashed into them and they see a young driver as a bigger risk on the road so they will charge more. it's not about the car you have.

[sara3]

http://www.parkers.co...-group.aspx?ig=1#ig=0

[welshlibranr]

RAVID is right benny, and as to a car that is cheaper to insure than the one you had!....not easy to find anything smaller that a 900cc!.......they'll still charge you loads!...........it's because you're a young driver, and a huge risk for them!..........maybe it's justified!.........you just wrote off your car!...........

[SkellieMonster]

Go for the diesel, always lower insurance.

My son just 18, still got a provisional licence, quoted over £2k for a 1.2 Corsa, quoted £800 for the same model year 1.7 turbo diesel!

[TWR]

Benny, do not take this as an insult, your 17yrs you have just wrote your car off! how come? with respect, if the majority of young drivers reduced their speed the insurance would come down in price, I'm not knocking you or what type of driver you are but more often than not you hear stories about drivers getting killed or causing an accident due to inexperience, to reduce your premium go for an advanced driving course this will reduce your cost, keep to a low CC car as the one you have just had, experience comes with time & time gives you experience & experience in driving will reduce your premium.

[joeluke]

You've not long passed your test and you've written a car off already, not a good start is it?

Buy a pushbike?

[mjwman]

If you can get insured at all...Daewoo Matiz

[AlBags]

Fiesta 1.1 are at least cheap to run and easy to maintain.

[AlBags]

PS. That's the end of the Rover posts then!

[JonnyBoy12]

Sorry to hear that, but glad to hear you are all right after this prang! Skelliemonster's post is the most helpful. I do not think you will get any cheaper quotes than that at your age; you need to wait about another 25 years or so, and then the quotes may come down a little bit.

Hope this helps, or you can always use a horse or cart. Would this be acceptable for you, or is it too slow?

[SpikeyBush]

As RAVID says it's the possibility of what you may run into that gives underwriters the willies. Years ago a pal of mine had a £50 Ford Cortina Mk III, he ran into the back of a Rolls Royce and although he was only going real slow at the time the claim was over £8000. And that was before the ambulance-chasing lawyers reared their ugly heads. Run into the back of a car with four occupants and you'll be talking big bucks in injury payouts before you even have an assessor look at the bent bumper.

So a cheap, rubbish car for a 17 year old? Suzuki Wagon R, Hyundai Accent 3 cylinder diesel? Bicycle? Buss pass? Shanks's pony?

[Halifaxmum]

nissan micra - mine (betsy!) is an R reg 1996 i think, we've had her 3 yrs and she's had nothing wrong with her at all (apart from me forgetting to get her MOTd lol!)

think maybe fiestas are only as cheap - not sure they'd be as robust tho

[SpikeyBush]

www.iam.org.uk
Take the advanced test like I did back in 1992 and you will be eligable for potentially cheaper insurance through IAM Surety. My insurance on a high performance Vectra Turbo is less than my wife's Fiesta 1.3.

[Halifaxmum]

the cinquecento gets a terrible score on crash safety though...

[SpikeyBush]

Bits tend to drop off it too