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New Driver UK (Please Help)
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New Driver UK (Please Help)Posted:

LoyaIty
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Hey Everyone

I'm a new driver and have been thinking of buying a car and getting insurance on it. I plan to spend up to £1,500 on both insurance and car included (if possible).

Currently the VW Polo 1.4L is a car I'm looking at, and the insurance (5000 Miles Coverage) starts at £408.43.

What cars should I really look at? I plan to keep this car for a while and get my NCD high before I move onto a bigger and nicer car. I'm looking for something that is reliable, cheap and is easy to get parts for if needed.
#2. Posted:
Shiv
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Hey again ColdJakub:)

Got a few questions;

Do you have a full UK license?
How old are you?

Getting a 1.4Polo worth less than £1500 and getting insured on it at a young age is going to be costly, unless you want a telematics box.

I had a 1.4 Polo twist 85bhp for my first car at 18yrs old (Bought it for £800), insurance was £3500 without telematics box. The insurance is going to be a real killer on any car at this age!

Now 19, I have a Seat Leon FR 150bhp and insurance is £2800 without telematics box

Might be a wise option to have a telematics box unless you can afford to pay otherwise!

Could also put one of your parents as a second driver, this will bring your insurance quote down
#3. Posted:
LoyaIty
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Hey mate haha should add each other!

The VW costs £535 and I got it checked by someone already (today) the only bad aspect is cosmetic scratches.

I'm 19 in March by the way and I might be able to do the second driver aspect also.

I have a drive attached to my house so it's a rather good thing also.

Yes I do have a full UK License since August last year

As I already stated the insurance is £408.43 for the Polo (£500 if added with the extra bonuses, no telematics box)

I just would like to see if there's any other better cars out there that I might prefer more haha.

I'd use it for general commuting also
#4. Posted:
Shiv
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ColdJakub wrote Hey mate haha should add each other!

The VW costs £535 and I got it checked by someone already (today) the only bad aspect is cosmetic scratches.

I'm 19 in March by the way and I might be able to do the second driver aspect also.

I have a drive attached to my house so it's a rather good thing also.

Yes I do have a full UK License since August last year

As I already stated the insurance is £408.43 for the Polo (£500 if added with the extra bonuses, no telematics box)

I just would like to see if there's any other better cars out there that I might prefer more haha.

I'd use it for general commuting also


£408? How is it so low with being a young driver on a low value vehicle? Something must be wrong there mate!

I couldn't get a quote lower than £2000 with a telematics box for my old 2004 polo! And literally everyone I know my age that are getting insurance quotes are getting similar prices so god knows how you've managed to get £408! What details did you put in?
#5. Posted:
LoyaIty
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Shiv wrote
ColdJakub wrote Hey mate haha should add each other!

The VW costs £535 and I got it checked by someone already (today) the only bad aspect is cosmetic scratches.

I'm 19 in March by the way and I might be able to do the second driver aspect also.

I have a drive attached to my house so it's a rather good thing also.

Yes I do have a full UK License since August last year

As I already stated the insurance is £408.43 for the Polo (£500 if added with the extra bonuses, no telematics box)

I just would like to see if there's any other better cars out there that I might prefer more haha.

I'd use it for general commuting also


£408? How is it so low with being a young driver on a low value vehicle? Something must be wrong there mate!

I couldn't get a quote lower than £2000 with a telematics box for my old 2004 polo! And literally everyone I know my age that are getting insurance quotes are getting similar prices so god knows how you've managed to get £408! What details did you put in?


First of all [ Register or Signin to view external links. ]

Details:
Vehicle - 2001 Volkswagen Polo Match, 1390CC Petrol, 5DR, Manual
Alarm - Factory Fitted Thatcham Approved Alarm
Seats - 4
Doors - 5
Current Value - £595
Modified? - No
Date of Buying the car - N/A
Car for - Social Domestic and Pleasure (SDP)
Annual Milage - 5000
Car kept during day - At Home
Car Kept During Night - Drive
Kept overnight - At Home
Cars kept at household - 2 (including this one)
Any other vehicles used - No
DoB - 24th March 1998
Relationship status - Single
Lived in the UK - Since June 2006
Employment Status - Employed
Job Role - Reprographics Assistant (Manager but there's no choice for it)
Industry - Education
Driving History - Provisional (I have passed my drivers exam and all needed, however I wanted to see the difference)
Held this licence - Less than 1 year
Date provided - 15th Aug 2016
No to other questions (medical and qualification wise)
Additional Drivers - No
Coverage - Third Party Only

About the Car:
2001 | Hatchback | 127,000 miles | Manual | 1.4L | Petrol
#6. Posted:
Shiv
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ColdJakub wrote
Shiv wrote
ColdJakub wrote Hey mate haha should add each other!

The VW costs £535 and I got it checked by someone already (today) the only bad aspect is cosmetic scratches.

I'm 19 in March by the way and I might be able to do the second driver aspect also.

I have a drive attached to my house so it's a rather good thing also.

Yes I do have a full UK License since August last year

As I already stated the insurance is £408.43 for the Polo (£500 if added with the extra bonuses, no telematics box)

I just would like to see if there's any other better cars out there that I might prefer more haha.

I'd use it for general commuting also


£408? How is it so low with being a young driver on a low value vehicle? Something must be wrong there mate!

I couldn't get a quote lower than £2000 with a telematics box for my old 2004 polo! And literally everyone I know my age that are getting insurance quotes are getting similar prices so god knows how you've managed to get £408! What details did you put in?


First of all [ Register or Signin to view external links. ]

Details:
Vehicle - 2001 Volkswagen Polo Match, 1390CC Petrol, 5DR, Manual
Alarm - Factory Fitted Thatcham Approved Alarm
Seats - 4
Doors - 5
Current Value - £595
Modified? - No
Date of Buying the car - N/A
Car for - Social Domestic and Pleasure (SDP)
Annual Milage - 5000
Car kept during day - At Home
Car Kept During Night - Drive
Kept overnight - At Home
Cars kept at household - 2 (including this one)
Any other vehicles used - No
DoB - 24th March 1998
Relationship status - Single
Lived in the UK - Since June 2006
Employment Status - Employed
Job Role - Reprographics Assistant (Manager but there's no choice for it)
Industry - Education
Driving History - Provisional (I have passed my drivers exam and all needed, however I wanted to see the difference)
Held this licence - Less than 1 year
Date provided - 15th Aug 2016
No to other questions (medical and qualification wise)
Additional Drivers - No
Coverage - Third Party Only

About the Car:
2001 | Hatchback | 127,000 miles | Manual | 1.4L | Petrol



COVERAGE: THIRD PARTY ONLY

Highly recommend you change that to comprehensive, I don't need to elaborate on it but seriously you should have comprehensive cover. Especially at our age!

DRIVING HISTORY: PROVISIONAL

They may class this as a provisional license so just double check you aren't getting a quote for provisional insurance mate


Edit: Cannot see the autotrader car advert as link is invalid
#7. Posted:
Lambert-
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If that's correct your getting a very good deal, on my first car which was a 1.2 06 model Corsa i paid £1300 with a box included

Mine was comprehensive
#8. Posted:
PMSL
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i cant see you getting a car and insurance for under £1500 i just passed and my insurance alone on a 1.2 is over £1500. if your buying like a £300 car then you might im not sure.
#9. Posted:
PMSL
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ColdJakub wrote Hey mate haha should add each other!

The VW costs £535 and I got it checked by someone already (today) the only bad aspect is cosmetic scratches.

I'm 19 in March by the way and I might be able to do the second driver aspect also.

I have a drive attached to my house so it's a rather good thing also.

Yes I do have a full UK License since August last year

As I already stated the insurance is £408.43 for the Polo (£500 if added with the extra bonuses, no telematics box)

I just would like to see if there's any other better cars out there that I might prefer more haha.

I'd use it for general commuting also


No way is your insurance £400 on a 1.4 with no black box, any first driver without a black box under 20 is most likely going to be £1500 or more, no way is it less than a £1000. especially with a 1.4 damn
#10. Posted:
Shiv
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PMSL wrote i cant see you getting a car and insurance for under £1500 i just passed and my insurance alone on a 1.2 is over £1500. if your buying like a £300 car then you might im not sure.


Lower the car value the more expensive the insurance is for us young ones. As apparently we are less likely to look after a cheap car!
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