My brother was a named driver for his first car (Nissan Micra 1.4 SE+ which is now sold), it definitely made it cheaper.
About the box fitted to the car, my instructor was telling me it can be cheaper but if I was to drive after 000 - 0500* I could get a fine, there are also other limitations.
any saving you may make on MPG on buying a car will be far outweighed by the insurance cost for a young driver in the first year. so pick your first car by it?s insurance rating see
That requires that the named driver is a regular user of the car. If not, it is misrepresentation of material details, which will invalidate the insurance.
Colin Bignell
So was mine, although I did have to build it myself from two separate cars. IIRC, insurance was £7/10/- p.a.
Colin Bignell
On 23/02/2012 23:20, Newshound wrote
IMHO most things with 80k miles on them, if they look reasonably tidy and havn't been mucked around with by boy racers, will probably be OK for the next 40k with no more than petrol, tyres, and the occasional battery or exhaust. You might have to replace the cam belt and one set of brakes.
As for routing, I would go by time, but for you cost might be the driver. There's probably not much in it, all depends on the average speed and amount of stop-start on the different routes.
Thank you, I honestly don't mind an old car and I am happy to keep an old car going (if it is economical to do so of course)
I find new cars have no character compared to a nice old car.
That's why a said "look at", ie. read the small print.
Strikes me as a bit harsh to be fined for using the car between midnight and 0500, an adjustment to the premium, if regular, I could understand but not for a single "out of pattern" use in that period.
Also be aware of barrack room lawyers, take anything anybody says with a pinch of salt unless you already know that what they are saying is correct or that you know they have real direct expertise in that field, even then be wary.
Define: "regular user".
Regular: Every day, once a week, once a month, once a year?
User: Off the drive turn around back on the drive. Once round the block. Into town for a newspaper. 600 mile round trip to grandmas?
I've never seen any restrictions or requirements placed on a named driver, other than not being the "main driver".
That was my thinking. ~15 years ago, I was working with lots of young computer programmers (although mostly older than 25), and anyone interested in a sporty car took the company car option, because you would never be able to afford the insurance yourself. OTOH, if you just wanted a Ford Fiesta, it was cheaper not to use the company car option.
Time Categories:
Are divided into: Peak Off peak Super Peak ? this will only apply to all mileage driven during these times, where a driver under the age of 23 years is named on the policy or listed as the policyholder.
Please refer to your schedule for the time categories that have been allocated to your policy.
Difficult to find on some others, though you are allocated 6000 miles a year with another company, you have to buy extra miles if needed!
You don't really expect an insurance company to set that in stone, so that people can manipulate the use to qualify do you? They are currently cracking down on attempts to reduce insurance premiums by making misleading or false statements and, in the case of a young driver with an older named driver, will expect that the named driver has reasonable use of the car. What is reasonable, the insurers will decide, quite possibly only after a claim has been made, by which time it is a bit late to discover that your insurance is invalid.
Colin Bignell
Go skofa. less barnd, less price amd virtually te same car.
BIL is on seciond Octavia I think, First died from 210k miles..
Again. Skoda.
Zero street cred..says 'I am careful with money and I buy the right tool for the job'
Oh blimey.
In that case look at insurance FIRST. Unfortunately these cheap but insurable for less than annual salary boxes are often not great for motorway use. A van might help here.
My first vehicle was a van. insurance was cheap and you can occasionally make a bit of cash shifting stuff and people around.
Off the record. Of course.
+101
Yep. Some of these tiddlers are really nice to drive - love the wife's old Punto...could throw that around easily. Made out of used bacofoil mind you, and bits kept falling off inside.
Mine frightened me to death!
Loved both though. Had a tintop AND a convertible. That one came with a shot engine tho - had to re-engine it.
When I used to buy old bangers I got the best deals from breakers yards. My son needed a car urgently a few years ago. I bought him a Renault 5 from our local breakers. It was the combination of one scrapped for a seized engine and another for accident damage. That car gave no trouble for 3.5 years, not even needing work for MOTs.
At about the 2.5 year point my son announced "You know what I hate most about that car? There is nothing wrong with it to justify getting rid!"
Mike
No, just occasional use will do. Driving the car back from station/airport once or twice a year for instance.
Mike
I am a named driver on my Mothers car insurance policy. I did not drive it once last year.
I doubt that we are invalidating the insurance.
Probably not enough miles per year to justify a diesel especially if the insurance premium is higher for a diesel.
You are probably going to have to use a 1000cc petrol car for at least the first year.
You're going to have to try each and find the 'sweet spot'. Or talk to locals/people at work. I mix it up depending on my mood, or take the bus. But then I'm lucky enough to have a choice. Your time will come :-)
Er - more like 20,000. Fuel is going to be your biggest hit - so I'd be looking at an old but maintained diesel. Even then your fuel bill is going to be at least £50 per week. Insurance for a new young driver - £40 per week?
Have a word with the employer - they may let you use a pool car/van so long as it's in the pool 9-5 and you use it for commuting only. I did that for my first traineeship - it means nothing to them. You just have to make it sound as though it's good for business. Promise to valet it weekly for them :-)
Or maybe move? A room can be had in most towns for £50 inc. I expect.
Really well done on getting the apprenticeship by the way - great achievement. Don't mean to put you off.
Rob
HomeOwnersHub website is not affiliated with any of the manufacturers or service providers discussed here. All logos and trade names are the property of their respective owners.