plz help! any advice about buyin cars, insurance, tax, and any other costs please tell me...
plz plz plz

You'll need to learn English so that you can read road signs accurately.

buy something cheap @ about £1000, don't even dream about anything more than a 1.4, insure it in your own name

I was going to suggest a spell check Nox!!!! You can download ieSpell if you have IE7 which will spell words you put into forms etc.

Have you passed your test? How much money do you have to spend? What type of car would you like?

right, first things first, set a limit of 2k on your first car, get something you dont really worry about, citroen AX or something cheap that if need be you can repair for less (dont get anything new, its not worth it) right now that u've found a car thats cheap, and a low insurance band, look for an insurer that you can insure yourself... and go for the cheapest one you can find (NCB will help you alot when you get to 19 and want a new car) once u've been driving for a year, try selling your car for the same price as you got it to a new learner driver (probs a friend), dont rob him as you were there once... now that you have a years no claims you will find your insurance will go down alot, look at other companys to see which are cheapest, allways best to shop around, i recomend using the phone as you will get a better deal and might be able to blag some discount... and keep on looking for cheaper deals on new cars and second hand... once you get to 21 you should hopefully have 4 years no cliams, pretty much any car is yours.......

good luck with it all

i disagree with getting your own insurance as its not a cost saver. if you can justify to yourself that you can share the car responsibility with a parent then get them to insure it have you as a named driver, then wait until mid twenties to get your own insurance. even if you have zero no claims bonus at 25, you will have saved thousands of pounds already. and the new premium at 25 wont be too much of a hard hit in cost. your not meant to be the main driver of the car in this instance but unless MI5 have 24hr surveillance on you there is no way anyone can prove that your parent has not driven if for 1% more of the time than you have.

quote:

Originally posted by edited123:
plz help! any advice about buyin cars, insurance, tax, and any other costs please tell me...
plz plz plz

comon why don't you learn to ride a cycle first? so many teenagers on the road that it is dangerous

quote:

Originally posted by barky:
buy something cheap @ about £1000, don't even dream about anything more than a 1.4, insure it in your own name

I would go even less than that - say 1000 or 1100 cc. A Toyota Starlet perhaps?

You definitly need something small,the first Ka's are quite cheap now but look out for older Saxo's,fiesta's,corsa's etc...

Take into account running costs as well. Try to get one with a good set of tyres on and avoid modded motors unless you have deep pockets. Research the car online and DO NOT go for the first car you see with blinkers on.

Purchase a Citroen AX. Fit Saxo VTS or 106 GTi suspension and brakes. Fit Saxo VTS engine (2000+, 130bhp version). Fit 1.3 Rallye shot peened gearbox with LSD. Fit Garret T25 Turbo, forged pistons, megasquirt, electronic boost controller.

Get used to torque steer and saying good bye to BMW M3's.

Or you could just buy a 1.0e "Splash".

quote:

Originally posted by beach:
i disagree with getting your own insurance as its not a cost saver. if you can justify to yourself that you can share the car responsibility with a parent then get them to insure it have you as a named driver, then wait until mid twenties to get your own insurance. even if you have zero no claims bonus at 25, you will have saved thousands of pounds already. and the new premium at 25 wont be too much of a hard hit in cost. your not meant to be the main driver of the car in this instance but unless MI5 have 24hr surveillance on you there is no way anyone can prove that your parent has not driven if for 1% more of the time than you have.

that idea falls apart if you are involved in an accident, get caught by speed cameras etc etc as police & insurance companies are wise to that dodge [which is in effect fraud & may invalidate the insurance]- not worth the risk especially if parent has access to another car.

The insurance companies have pretty much made the decision for you.

It will need to be an oldish Renault Clio or the like. You need the lowest insurance groups.

Little engine, little value.

At 17, unless you do have money to burn, that is it. Period.

quote:

Originally posted by barky:

quote:

Originally posted by beach:
i disagree with getting your own insurance as its not a cost saver. if you can justify to yourself that you can share the car responsibility with a parent then get them to insure it have you as a named driver, then wait until mid twenties to get your own insurance. even if you have zero no claims bonus at 25, you will have saved thousands of pounds already. and the new premium at 25 wont be too much of a hard hit in cost. your not meant to be the main driver of the car in this instance but unless MI5 have 24hr surveillance on you there is no way anyone can prove that your parent has not driven if for 1% more of the time than you have.

that idea falls apart if you are involved in an accident, get caught by speed cameras etc etc as police & insurance companies are wise to that dodge [which is in effect fraud & may invalidate the insurance]- not worth the risk especially if parent has access to another car.

i'm not aware of any prosecution or case of insurers not covering a car beacause they gathered evidence that the main driver was not the named main driver. its an impossible case to prove. unless a driver admits their own guilt.

quote:

Originally posted by edited123:
plz help! any advice about buyin cars, insurance, tax, and any other costs please tell me...
plz plz plz

I do believe TIME is spelt thus, rather than "TYM" which i am pretty certain does not appear in the Oxford English Dictionary.


I also am quite certain that the pseudonym "plz" does not exist either. It is accepted practice in the English Language to write it as "Please".

For the last 30 years i have laboured under the obvious misapprehension that an extraneous G must be added to the end of words describing an activity.

It would appear that these are no longer necessary either - vis a vis "Buyin" rather than "Buying".

I despair.

Do 'Pass Plus' and save on insurance. It's another £120 or so in lessons, but you can potentially save more than this when you come to buy your first policy.

Don't become a named driver, unless you only use the car very occasionally.

There are insurance companies that offer 10 months insurance and give you 1 year's no-claims bonus at the end of the 10 months. Don't bother!
If you work it out then you're paying more per month than you would with a 12 month standard insurance.
Don't go 3rd party unless you really don't care about your own car (and can afford to replace it).
ALWAYS check that you can be insured on a car before you commit to buying it: A £3000 Scooby may seem like a good purchase until you realise that nobody will insure you.
Insurance can be a strange creature:
When I was 17 (8 yrs ago) I got quotes of £1000 for a Renault 5 but was quoted £300 less for a new Clio! The improved security and safety pushed the quote down. One to keep in mind - It's not always cheaper to insure a banger.

quote:

Originally posted by Palmira:

quote:

Originally posted by edited123:
plz help! any advice about buyin cars, insurance, tax, and any other costs please tell me...
plz plz plz

I do believe TIME is spelt thus, rather than "TYM" which i am pretty certain does not appear in the Oxford English Dictionary.


I also am quite certain that the pseudonym "plz" does not exist either. It is accepted practice in the English Language to write it as "Please".

For the last 30 years i have laboured under the obvious misapprehension that an extraneous G must be added to the end of words describing an activity.

It would appear that these are no longer necessary either - vis a vis "Buyin" rather than "Buying".

I despair.

If u ps yr tst du thy tch u 2 rd 2?

Sorry Pal Couldn't resist

Haha Taw, that is very good.. Managed to decipher it by using my Common Peasant to English translation book!

First question - do you actually *need* a car, or do you just want one? If you just want one to be cool infront of your friends then don't bother. You'll be pouring away money looking after it, and have a very high chance of being another statistic.

If you must buy one then I honestly wouldn't spend £1000 on your first car, because you will end up pranging it at some point, no matter how careful you think you are.

Visit a local car auction and pick up a bargin. You'll get 6 or 7 year old small to medium size cars for pennies. Just take someone along who has half an idea about cars and you'll be fine.

I would look to go on as a named driver on a parent's policy - particularly if their company allows you to earn NCB while ensured under them. Otherwise you'll end up spending more in insurance than you do on buying the car.

Building up an NCB is a bit of a con and doesn't pay out in the long run. I had full NCB, then travelled overseas for a few years and "lost" it. (another thread for another time, but the insurance company said my NCB was void because I hadn't had one for over two years, despite me being fully comp overseas). Anyways, upon my return, by quote was only a few hundred with zero NCB due to my age. The moral of the story is stick on your parent's policy for as long as possible, then start your own when you are a bit older.

Some companies will give you a discount if you put your parents on your policy as listed drivers - ask about that when you get insured.

I'd buy an old fiesta or escort. Crappy cars, but extremely cheap to run and maintain. Buy an older model which allows you to do your own maintence and learn something about cars while fixing yours. Most modern cars don't allow you to tamper under the hood.

anything else?

quote:

Originally posted by Palmira:
Haha Taw, that is very good.. Managed to decipher it by using my Common Peasant to English translation book!

Do you think it could be a new language?

my parents dont drive
wat insurance do i get?

and i live in a shit area
do i insure it for a beta area?

If you want to invalidate your policy go ahead.

Trolls.

That is all.