Originally posted by ncarring in this post

Yet you could afford a new or nearly new car in the first place, flyingscot! If you had set your car sights lower you would have had money left for insurance. One day you will no longer be able to insure your car under your Mum's name and then you will have to bite the bullet and take out your own insurance - with zero no-claims - and your parents can stop subsidising you :p

Yeah but my Mum bought most of it! I couldn't afford any new or nearly new car if I had gone my own merry way! It's a good deal,

Originally posted by rich1068 in this post

A free insurance offer on a Citroen AX a few years ago is the reason why I can afford the insurance on my RS now. Reading the small print after buying the Citroen I realised that the free year was supplied by Direct Line and if you renewed with them they gave you a full 65% NCD. Having never had my own insurance before, this was an exceptional incentive to stay with one of the cheapest motor insurers around. Result! Strangely this offer was never mentioned by anyone from Citroen.

Citroen still did this up to a few years back with Direct Line as they can kick people off of the polices if they made more than 2 claims in 1 year!

Originally posted by flyingscot in this post

Yeah but my Mum bought most of it!

If I ask her nicely would she chip in and buy me one too?

Just kidding, FS. I'm glad you have the car you want.

Some interesting points are coming out here. CIS gave my youngest son 1 year's NCD from the outset in recognition of his Pass Plus certificate. But when he changed insurers after 2 years the new insurer would not honour 3 year's NCD because he had only been driving for 2 years. The same could happen with Direct Line's 65% NCD when you change insurers if you haven't been insured long enough in your own name to have built up that amount of NCD. It is nothing more than a marketing ploy by Direct Line and I can see no good reason why other insurers should go along with the NCD Direct Line are prepared to give.

I hate to say it, but if you can't afford the insurance don't buy the car.

2-3 years in a Fiesta/106/Micra/Fabia and you'll save yourself hundreds, if not thousands. OK, so it's not going to be as much fun as an RS, but just think how good the RS will be when you do get it.

Most of us have been there. :(

You'd be surprised how much it is to insure a Micra these days!

OK, so it's less than a vRS but you (or I at least) would still be looking at the wrong

side of 1k. Indeed, for me to insure myself at my old (posh) address TPFT on a

1.3 Felicia would be over

Yep, insurance for young drivers is a joke. Lad at work 21, rover 214 was paying 1400 tpft, more than he paid for the car

I'm paying roughly that fully comp on a 1.6 Octavia, so I don't feel so bad now (unless

I have an accident and have to pay the 1k excess).

I guess it explains why more and more young drivers are willing to take their chances

without insurance, which is a bad thing all round...

Rob.

Originally posted by DGW in this post

Thanks for that expert advice Stu. I forgot to mention to NU Direct that my 4X4 is on HP when I notified them of a change of vehicle. When I subsequently realised my mistake and phoned them up, they weren't in the slightest bit interested. I suppose it is only relevant if you have to claim for a write-off, otherwise not.

I told NU Direct mine was being bought on HP as well, they said it didn't matter. I'm waiting for my registration documents but I think I'll be listed as the registered keeper.

Not just a marketing ploy Denis. I've enjoyed reasonably priced insurance for years because of it and other insurers do honour my NCD. I know because I shopped around (for the first time) when I got the RS. Stayed with Direct Line in the end.

A couple of other things. Flame suit on. Unless he was joking I thought day trippers original comments showed a type of niave arrogance that explains why young drivers are penalised when it comes to insurance and secondly, I quite agree, if you can't afford the insurance don't buy the car.

One of the cheapest ways to get going in a fun car is to go the "classic car" route. Get a well looked after classic, join the owners club and you'll be stunned how cheap you can get insurance no matter how young. You can have just as much fun in an old MG midget, Alfa sud etc as a lot of the more modern cars and even though they may not have huge amounts of bhp they are still quick enough to have a laugh :cheers:

Old cars, however, were designed in the days before such things as airbags, side impact

bars, and other safety features which I regard quite important. I guess it comes down to

paying your money and taking your chances...

Rob.

Indeed you are right Rob - my moggie doesn't even have seatbelts :eek: Must admit that safety features have never been at the forefront of my consideration of cars until the the imminent arrival of a kid - hence the RS!

Originally posted by ncarring in this post

If I ask her nicely would she chip in and buy me one too?

Just kidding, FS. I'm glad you have the car you want.

Well she just gets me the V5 logbook out every time I take it away and she wants it so I doubt it's worth all the aggro!! It is worth it in the long run as a fianancial proposition, I mean it will hold 56% of it's value so in the long term I sorry we should get a decent amount back for it!