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Not so much boat insurance

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    Posted: 17 Jul 12 at 9:48pm
Hi, 

I dident know where to post this but it was just an idea to see if anyone had any useful tips.

I will be 17 in a few weeks and have just started looking at car insurance for when I can drive. I want a car that can pull my lasers but want one that is cheap to buy. I live in a rural area with bad snow in winter so a 4x4 would be nice. I would ideally like a defender 90 as it ticks all the boxes however I was wandering if anyone had any ideas on where I could get cheap insurance on one. I have so far been recommended Adrian Flux. 

Thanks Isaac  
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Post Options Post Options   Quote Quagers Quote  Post ReplyReply Direct Link To This Post Posted: 17 Jul 12 at 9:56pm
Pretty much anything will tow a Laser easily, think you may need to lower your expectations a little, when I turned 17 insurance on a 1.2l Ford Fiesta (2001) cost 1200 a year, at that price I paid well over the value of the car in premiums in 3 years.

Go for something small, and if your worried about snow fit some winter tyres, small cheap cars actually aren't that bad, at least compared to luxury saloons in the snow. Skinny tyres and most of the weight over the front axle helps them out.

Unless of course money is no object.
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Post Options Post Options   Quote doeywizard Quote  Post ReplyReply Direct Link To This Post Posted: 17 Jul 12 at 10:03pm
The problem is I got quote on fiat cinquecento was 5000 and I was wandering if I could get a defender on agricultural insurance or classic. Insurance is just stupid price.  
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radixon View Drop Down
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Post Options Post Options   Quote radixon Quote  Post ReplyReply Direct Link To This Post Posted: 17 Jul 12 at 10:11pm
You will be spending loads on the defender to keep it running.

How many days do you get snow for? Look at the coop for insurance
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Post Options Post Options   Quote doeywizard Quote  Post ReplyReply Direct Link To This Post Posted: 17 Jul 12 at 10:17pm
we had snow for about 6-8 weeks the other year but my dads freelander only just made it home most nights, my mum has a mini countryman 4x4 and we had to park that down in the village. 

I will look at that insurance, thanks. 

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Post Options Post Options   Quote simonrh Quote  Post ReplyReply Direct Link To This Post Posted: 18 Jul 12 at 9:03am
When I started driving in '93 car insurance wasn't ridiculous but non one could afford to insure motorcycles.
I now have a company car so don't have to worry about car insurance but did look at getting a runabout recently and was getting 1000 quotes for naff hatchbacks (without no claims).
Got a quote for a 90's superbike instead and it was a couple of hundred quid as long as I don't want to take a pillion. Now I am not suggesting you can tow a laser on 2 wheels but my conclusion was: 

The cost of the risk directly due to me damaging my vehicle or myself is very low. 

The cost of other people in my vehicle or other people I hit suing all and sundry for whiplash and mass injuries and loss of earnings and all that other no-win-no-fee garbage is very high (bikes don't tend to "win" when they hit a car.)
At which point it probably doesn't matter what car you get the insurance is going to be terrifying because of the current screwed up state of the industry and the fact that the first thing anyone does in an accident before they have got out the car is start clutching their neck and phoning an accident "helpline".
Ancient panda 4x4 from the dark ages will go anywhere? Failign that kit cars are always cheap to insure and you can get a 2nd hand 4x4 kit?
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Post Options Post Options   Quote olly_love Quote  Post ReplyReply Direct Link To This Post Posted: 18 Jul 12 at 9:16am
its not a cool, but have a look at a suiki jimmy or rav 4, its still 4x4 but being light wont get bogged down, also they are dirt cheap to run and insure, the defender has the cool factor however they are bloody expensive to run in fuel and running costs,

if you want really cheep insurance my first car 7 years ago was a fiat uno and cost 300 quid to buy but importantly only 150 quid a year to insure 3rd party,
things like golfs and astras are cheaper to insure than fiestas and corsas due to the "chav" factor


Edited by olly_love - 18 Jul 12 at 9:18am
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Post Options Post Options   Quote Neptune Quote  Post ReplyReply Direct Link To This Post Posted: 18 Jul 12 at 9:20am
You can roof rack a laser of most things too....I remember fondly carting my laser around on the roof of my Fiat Uno at the time.
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Post Options Post Options   Quote GybeFunny Quote  Post ReplyReply Direct Link To This Post Posted: 18 Jul 12 at 10:33am
+1 for 4x4 Panda.

You say you want a car for sailing and then you say you want it to work in the snow, if its just for sailing then surely you wont go sailing when it is snowy?
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Post Options Post Options   Quote shadeux Quote  Post ReplyReply Direct Link To This Post Posted: 18 Jul 12 at 10:37am
You could try getting your parents to insure it and have you as a named driver. You could try third party, fire and theft rather than fully comp. I'm told the NFU is very competitive. Just don't go with MoreThan. Have just had a terrible experience with them. But, I'm afraid that for a young male driver the rates will be high wherever you go.
best of luck
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