UK first car help

mx5. memes and hairdresser jokes aside theyre simple, reliable and you'll have a lot of fun in one. mk1 has nice older styling and popups but if you "need something safer" look at a mk2/mk2.5, practically the same car but slightly different shape and has airbags. (and more power) you can pick up 1.6 fairly cheap and uk spec 5s are the cheapest to insure, just look out for rust.

Pic related, my first 5. would still have it if rust wasnt so bad (i was dumb and didnt realise sills were mostly filler when buying). Cost me 2800 to insure fully comp, but thats because i got a 1.8 and dont live in a great area
after my mk1 I have a mazda 3 sport, nice, safe car but my god was it boring. current car is mk2 mx5, love it.

I got insured at 18 a couple of years ago for under £1500, but had to drive a 1.2l Skoda to get rates that cheap. My mate managed £900 on a £200 1.1l Mark 2 Fiesta

My advice would be to get a simple cheap car and plan to upgrade it after 2 years when the rates go down, save the money now so you have more for a better car in future.

Cheapest rates I could find for an MX5 last summer were £5K plus, who's insuring you for that cheap on an MX5?

1989 nissan micra, the 1.0l base model
it literally wont die on you, one of the most reliable cars ever made, only surpassed by the 1993 micra.
its 80's boxey as fuck, supprisingly comfy and out handel corsa/fiestas and keeps up with the 1.6 hatches till about 75~80ish

find them for around £350

was with aviva, and i'd consider that to be pretty average for a 5 as a first car. i know lots of 5 owners and i dont think many paid much more than me
ive hear adrian flux or greenlight are the best to go with for a 5

you can insure these under classic policy which is way way cheaper.

mini cooper D

classic policy for me was way more expensive because of lack of driving experience, some even wont insure you unless youre 25 or over

underage pls go

I'm 18 tho pls go succ dicc

Funny how Veeky Forums is filled with 18 year olds without a license yet. Really makes you think.

can't speak for everyone else but yeah no I am the stereotypical "can't drive yet" Veeky Forums user and I accept that

Just drive a low catagory shitbox for a few years to build up the no-claims.
Save your money for the car you want later on.

I see new drivers time and time again get over excited because they get their licence and then pay way over the odds for a car that ends up being a money pit, they can just about insure it but cant find the money to maintain it.

Personally i cant see how young drivers can actually afford 3k insurance - even with help from parents, my first car was a 1.3 escort and cost just shy of a grand and this was going back to 1999

>UK first car
MICRA
IS
CORRECT &
RIGHT
ANSWER

For some reason it would cost me the same to insure a 1.2l corsa as a 2.0GT MR2 or Celica, but a 1.4l mg rover or l.4l civic are miles more expensive.

which generation?

K10 or K11, the K12 is fun to drive but has shit reliability

I'm only getting like 10k quotes on celicas what specs of celica are you looking at to get those kind of prices?

autotrader.co.uk/classified/advert/201710170376378?logcode=visc&fromSA=true

as a first year driver with a named older driver, admiral quoted me 1700pound fully comp, although I am 27

I'm actually quite mindfucked

ah okay I'll take a look. are there any k10's that had a tachometer? or did they just have speedos? or would it be easy to give it one?

ah yeah see as an 18 year old I get jewed out of literally anything that isn't a supermini or close to it. 1700 sounds about right for a 27 year old.

I still don't really understand why, a 1.7l astra they wanted 2.4k in comparison

Your cheapest option is an aftermarket tacho, for the K11 you can probably find a used dash that had it.

these are the best 2 out of 3 quotes I got for that celica you linked below me talking about 10k quotes

Yeah fuck that, just a heads up, even if they will never use it name an older driver on your policy, it drops the price a lot, did for me anyway

that's what I'm planning on when I get to doing it for real but I don't have my mum's details on the website I'm using so I'm just subtracting a couple hundred quid from every result I get. I don't know if that's too much or too little drop for adding a 50 yr old lady to the insurance

considering the 1.4L civic I put in went from 3k to 2k with a 54yr old lady on you could be very surprised, my quotes were also without drivers license numbers just age and how long they held the license .

ah okay that's nice to know actually thanks! it means that anything 3k can match the corsa's insurance 'cause of the 1k drop

possibly, but that could be my age also giving a larger drop

>paying 3000 brexitbucks to drive an old french car

atleast our cars turn corners fatty

>Once they realise that nobody wants to drive anymore, they'll rent you a self-driving car for "only" £3,995 (a year), because "driving is dangerous user you're not one of those old fashioned Tory voting old fogies are you? Come on user we're selfdriving to the beach with Stacey and her friends, you need a self-driving passenger pass or the car won't let you inside, you don't wanna be a loser sitting here on your own do you?"

>"It's 2027, noone needs a deadly assault car anyway, just look at how many terrorist car incidents have fallen now that there are 10 mile automatic jamming exclusion zones around every populated area. Pedestrian deaths are almost nil now that only self-driving cars are allowed near cities."

Fixed for you

this makes me sad

I'm in a group 1 (cheapest of 50) car from 2013 paying £1700 for my first year and it's the cheapest of everyone I know.

is that like an ayago or a c1 or an up! or something?

Of the few dozen cars I tried, this was the only one I could drive comfortably.

OP, make sure you call up the insurer for the quote. Usually you can save a few hundred that way, online quotes are for lazy people who don't call up.

I got insured for £1535 my first year, down from an online quote of £2100. Just keep asking if the quote is the best they can do, and say it's too much and you'll check out some other places first, then let them stall you while they generate a new, cheaper quote.

Doesn't always work.
I used the old phone up and "oh you can't match that quote well then cancel my policy please" when moving from my 1st to 2nd car. They were like "okay I cancelled that for you sir, we'll email you your no-claims".

Good job the other quote was legit.

It's not that lying about another quote does the trick, it's that just calling them up rather than buying online does the trick.

Threatening to cancel isn't a good idea, they've been trained to know that one.

yeah once I'm set on a car and a provider I'll call and try for getting a lower price. but there's no point calling rn 'cause I want bulk quotes for a bunch of cars and calling up every 5 mins with a different combination of car and named driver would be tedious

You can always front if you’re feeling cheeky

???

ah I just looked it up, idk I guess I'll ask my parents if they're willing to do it

Vw corrado

No it isn't. I paid 1.4k and am currently paying 1k for my newer car which I got 6 months after my test.
No cuck box either

Bad idea. You're fucked if you get in a crash and you don't build up your own no-claims.

in fairness OP
at this moment in time you shouldn't really bother looking,

even after you have passed your test, the rates will be slightly higher than they are currently.

classic policies aren't necessarily viable if you are under 21,(even then they'll probably stipulate that the car being insured has to be your 'second vehicle', add to that the cost of a far condition classic isn't the cheapest either, it could run you the exact same price in total but the balance is the opposite way round
i.e more to buy the car than to insure it)

I wouldn't bother with black box
they can end up costing more than a non box premium,
(and if you are sharing the car in use, can cost you if the other drivers drive like knobheads)

the only benefit to a box is they can back you up in the event of crash disputes
(can prove you weren't speeding or were/weren't in a certain place )
in fairness a dashcam can do that too
(and is cheaper)

if you really want to go classic,
a series 1-3 landrover is ideal,
series 3 are cheapest to aquire
but they aren't comfy (sparse utility)

I passed my test in '10 and the average premiums for a corsa/fiesta 1.2 came in at about 5k (anything larger engined was 6k+)

I got my first car this year ( first gen bmw mini)
and for me with both parents (me as main driver) was about a grand,
total, about 1100ish

if that's cheap for a 27 year old I don't know

don't
just don't

its illegal, and IF you have an accident, the insurance will void and police will be involved under insurance fraud

>£
>1.1L
>that retro vibe
>dad's safety needs
holy shit i needed that

>not owning and fixing your first car since

French 90s fwd hatchback shiboxes like r5, Clio, 306, saxo, 205, 106 are amazing first cars as they're fun to drive, easy to work on, reliable, and cheap in the UK, but your dad is right to be concerned about safety. They perform atrociously at crash tests (check some on YouTube), especially at the front. That's the price to pay for lightweight cars.

That's why you buy diesels. You'll have more kinetic energy to push into the colliding car, so your car's debris has a higher chance of revenging it's owner's death.

>mfw I'm also a Brit under 21 and can insure a fucking AW11 for the same amount
I seriously have no idea how it's so cheap for me

>not having an mx-5 at £1.5k after 6 months of driving and 20 years of age

[continued laughter]

That's less than I pay for mine, bastard.

And i thouht 100eur for a year was bad

I’m 24, paying £900 for a WRX with 2 years no claims. Next year will be a sweet release as I should drop out of the highest risk category of males aged 17-24

I read something a while ago which said (rather surprisingly) that the cheapest car to insure on average in the uk is an mg f. The slightly newer TF came like 4th as well. Should be enjoyable enough and also dirt cheap.