New car

[Slimboyfat]

Originally Posted by showtime

they don't need to own their cars as they have use of demo cars that are renewed every few months

i insured with Elephant.co.uk and they are pretty cheap on my group 20
i also added my mum as a named driver and it took £150 off
(forgot to mention she lives abroad) not that i'd ever let her drive my car anyway

Yep, elephant are pretty good....DEFINATLY add mom or dad (so long as they dont have any serious convictions i.e drink driving or no insurance).

Again dont expect miracles due to area but try it.

[Stu]

Originally Posted by ben

Get a vauxhall nova

http://www.oople.com/rc/photos/south...port4wd49.html

lovely exhaust's lol

lil ben

I like that Ben, a lad your age would not normally think Nova's are cool, maybe it's the rally thing.

I had one when I was 18, if I didn't have too much crap already I'd buy another and try to recreate it.

[Slimboyfat]

Originally Posted by Chrislong

I live on the outskirts of the 'M' postcode, I am 'BL' and the saving for it is significant.

Paul, do you have family who live outside of the Liverpool postcode range? I am not sure how possible it is to do, but have heard of people who declare they live at an uncles house just because of the better code, and I may only be a mile or two away. Probably naughty...

Chris

Definate no no chris....simple fact is insurance wont pay out if they suspect anything, harsh reality in this day and age due to too many claims and prices getting cheaper.

Yeah you noticed the difference in price huh?

I do feel for genuine people living in those areas that have to suffer because of the minority of those that make the risks so much higher.

Matt

[Chrislong]

Don't see so many anymore...

Kash's was awesome. Where is that one now? Id be tempted to do that to a Corsa if I knew how.. LOL. Edit: plus id give it the Euro-look, mage stretched tyres over very wide rims and very low suspension....

[Stu]

Originally Posted by Slimboyfat

Did you know the Named Driver bonus may not be accepted by any other company than Direct Line?? Its a bit of a bummer really for people who do it, as it means you have to reinsure with them. Good Business sense....bad for customer.

I came across a similar 'scam'. It was a Lloyds policy that was for 6 months, with the promise of 12 months no claims. Same as the Direct Line though, only valid with renewal from themselves. Go somewhere else and it was back to square one.

[Stu]

Originally Posted by Chrislong

Id be tempted to do that to a Corsa if I knew how.. LOL. ...

Ohhh Chris, noooo, Corsa's are girls cars.

[Slimboyfat]

Originally Posted by Stu

I came across a similar 'scam'. It was a Lloyds policy that was for 6 months, with the promise of 12 months no claims. Same as the Direct Line though, only valid with renewal from themselves. Go somewhere else and it was back to square one.

Yep and also watch out for the 10 month plans claiming you get a YEARS no claims for a 10 month policy. Some companies will honour that bonus but most wont as its not an official year and again its so you renew with them.

Its crazy to see what companies come up with to get customers to buy but thats just the way it is and my advise is to keep asking questions to ensure its a legit policy for what you need with no hidden crap thats going to affect you later on down the line.

[PaulRotheram]

Like OJ says Stu, my car has really got nothing to do with my insurance prices, I've tried anything and everything on insurance sites. including the one you've suggested OJ, and they all come back stupidly high, funnily enough - around the same region of cost too!

Its just something people have to get on with, as there's nothing we can do! This is why im looking to go down the finance route, and after speaking to a few more manufacturers, getting prices and quotes it looks to be a good route.

I've worked out by the time I finish my free insurance deals i'm aiming to do, my insurance should come down to about 1k a year - which i'd be happy with!

I looked in to what you are saying about other relatives a while ago.. but it is a serious no no as the insurers won't pay a penny if what has happened goes against your policy. Its like saying you park your car in a garage at night (when you dont), your car is stolen and you really only park it on the street!

I'll report back with more info as i'm visiting a couple more companys to see what goods the come up with. Up to now, no one has even came close to vauxhalls offer, only citroen came close with a deal on a 1.1 C2

[PaulRotheram]

Another question to the motoring gurus out there.. I've always thought with a bigger engine, the less damage or wear would occur in an engine due to lesser revs when traveling on motorways doing 70-75.
Is this the case, and if so is this the case with new cars nowadays? I've no experience what so ever with new cars and how robust they are now.

[WHITTLER555]

Hello Paul, sorry about my first suggestion!

Try this company - Young Marmalade (I kid you not!!)

http://www.youngmarmalade.co.uk/young_main.php

They supply new small cars and roll the cost of insurance into the deal.

I have just run a quote on a Corsa 1.2 SXi AC and it quoted a 19 year old insurance at £783.00 for 12 months

Have a look they may be able to help??

[Colinevan]

Paul, Just a quick point as you may have overlooked an important factor.

If the insurance is free now, what would the estimate be for in 12 months time, i.e would it also cost you an additional £150 a month to insure. Of course that is on top of the figs of around £180 a month just to buy the car.

If your thinking of just keeping the car for 12 months, remember that the car will depriciate a lot in 12 months and may end up costing just as much to buy as paying scandelous insurance on a slightly older but better car (if that makes sense).

Iv had many new cars, but now sadly run that 306 dturbo that you see nowadays as iv learnt that i have literally spent 10s of thousands on cars in the past. With a super high mortgage at the mo, i sadly cant afford a new car anymore

As an example, when i was 18, i bought a brand new fiat punto s special edition. Cost 8k, i bought on a pcp (personal contract plan) and was going to keep the car for 2 years. I traded it on another Punto, this time a new punto Gt turbo. i think i got £3000 for that car in part ex and when i sold the gt on a few years down the line, i think i got 4k on what was a 13k car.

I learned that if i buy a better car, but older and paid slightly more insurance, it works out much cheaper over the time of owning a better car.

As an example, before the 306, i ran my much loved Bmw M3 Evoloution, Group 20 insurance, 321 Bhp, expensive servicing... But. I paid 10k for that car, which in theory was a 9 year old Bmw. I think in 18 months of ownership, the servicing was around £600 (specialist) Insurance was reasonable at £1300( the 306 costs me £230 as comparison ) and i sold that car on with approx another 7k miles for ...... 10K. If you rack up what that lot cost for running what i would consider a very fast and expensive car to run, it can actually work out cheaper to own and run a similar car that it would on depreciation on a new car etc and you get a much better car for the money.

The Bmw is prob a bad example to use, but im sure you see where im coming from. Theres planty of cars that meet the above critera .

[WHITTLER555]

Stu will love this! Have you thought of owning a classic car?

Check this out in Liverpool on Ebay:

FORD CORTINA 1.6 CRUSADER Item number: 150192797501

The insurance on my RS2000 in my avatar is £183.00 fully Comp!

I also suspect as soon as the Life on Mars TV show replacement based in the 80's called Ashes to Ashes goes on air, those MK5 cortinas will be going up in value!!

[Colinevan]

Originally Posted by PaulRotheram

Another question to the motoring gurus out there.. I've always thought with a bigger engine, the less damage or wear would occur in an engine due to lesser revs when traveling on motorways doing 70-75.
Is this the case, and if so is this the case with new cars nowadays? I've no experience what so ever with new cars and how robust they are now.

Rule of thumb used to be that smaller engine used to scream along whilst a bigger engine just plods along. Iv drove loads of small new cars and tbh the way they are geared allows very sporty performance the only downside is slightly higher rpm as opposed to bigger engines which will rev less.

Im more in favour of bigger engines as in my opinion as iv found that i dont really drive them as hard to get good performance where as in a smaller engined car, i tend to rev more and generally drive harder. ( i do have a lead foot ).

My advice though would be to get a diesel car though. Fantastic performance and economy and better residuals.

Col

[Spencer Mulcahy]

Originally Posted by WHITTLER555

Stu will love this! Have you thought of owning a classic car?

Check this out in Liverpool on Ebay:

FORD CORTINA 1.6 CRUSADER Item number: 150192797501

The insurance on my RS2000 in my avatar is £183.00 fully Comp!

I also suspect as soon as the Life on Mars TV show replacement based in the 80's called Ashes to Ashes goes on air, those MK5 cortinas will be going up in value!!

He said on the Chris Moyles show this week he will be driving an Audi Quatro in the new series "You Slaaaagggg"

[WHITTLER555]

Radio 2 man these days Spencer!

Too much noisy noise on R1

[jimarea51]

Originally Posted by WHITTLER555

Check this out in Liverpool on Ebay:

FORD CORTINA 1.6 CRUSADER Item number: 150192797501

I also suspect as soon as the Life on Mars TV show replacement based in the 80's called Ashes to Ashes goes on air, those MK5 cortinas will be going up in value!!

And if you want it to go fast, just let me know, I'll fill it with E's & Wizz.

Damian's Scort if full of the maddest Crack I could find.

[PaulRotheram]

Just test driven a 1.3 diesel + turbo corsa.. phwaa it moved

[DanW]

1. Be carefull buying a car on a finance deal - your probably looking at a 5year plan and sometimes very expensive to end early and get out of. Try and look for a deal where you get free insurance for buying the car and not for taking the finance deal! (not so easy as salesmen tend to get a better commission on the finance deal than the car). If you need money to buy the car take out a loan - its cheaper and not attached to the car.

2. Don't be fooled by the £1000 trade in value for your old car, the screen prices are over inflated to cover this. If you walk in as a cash buyer with no trade in they will knock far more off. I went in Renualt liverpool a few years ago and they offered £1000 off the screen price of the car I was looking at, with a trade in on any car. I explained I was a cash buyer, no trade in - and £1650 came off straight away!

3. All the main dealers I've visited in Liverpool inflate the screen prices massively so when you walk in they start slashing the price making you think your getting a good deal... often your not. Go to some smaller main dealers in smaller towns, Southport, Ormskirk, etc you will find the pricing is more genuine.

4. If you want a good price buy a car just before the reg letter changes and offer to take a pre-registered stock car. Salesmen will jump through hoops to get rid fo them.


OR stick with your current car and join somesort of Ford Owners club, probably cost you about £10, but clubs normally get insurance deals through specialist insurances.

[Spencer Mulcahy]

Originally Posted by WHITTLER555

Radio 2 man these days Spencer!

Too much noisy noise on R1

I am clinging onto my youth with my finger nails Damo.

[PaulRotheram]

Just want to say a big thank you to everyone who has offered help and advice, i've tried and looked through everything i can think of to get my insurance lower, but no matter what car or various inputs to insurance sites, they all come out around the 2-2.5k mark which isnt good enough for me.

I've been around pretty much every dealership in liverpool this weekend and i've decided the Vauxhall offer is what is best for me.

I should be putting my name and requirements to my local dealership this week for the new corsa.. all I need help on now is.. colour!

Which one?

http://img255.imageshack.us/img255/8789/dsc00284qq6.jpg