As Dom suggests ... look around, speak to the specialist insurers and maybe you can have something hot if your not doing a 1,000,000 a year!
Car insurance is a very strange thing ...... I once had a fully modified car that cost less than half as much to insure than if it was standard as I could use a specialist broker and policy!!!! I also had a Porsche 944 as a 19 year old and it was MUCH cheaper to insure than my then girlfriends Fiesta for the same reason!!
My girlfriend did what your thinking of doing Paul. I too get Vaux partners discount and we looked at a Corsa .... left laughing when we realised that to get a decent spec we'd thrown £2k on the list price but only added about 50p to the residual value at 1 year old!!!
In the end we got a better spec Seat Ibiza for about the same price as the basic Corsa without the options but with the partners discount!!! On top of that the insurance policy was better, it had free breakdown cover and I managed to get maps and flaps, full tank and first service free by being cheeky and just asking for it!!
Dealer was top, car was brilliant, after sales service was great and we sold it on for about £1k more than the Corsa would have been worth. All in all she could not have made a better choice.
When we worked it out it came up about £50 a month cheaper than driving an 89 Polo saloon which cost about £800 to insure (mainly due to Candice having passed her test in South Africa and having been in the UK less than 5 years, held a licence in the EA for less than 5 years ... .etc.)
Good luck mate.
|