First Car?

BadBizz

Just wondering what a good first car would be?

Im thinking a Honda Civic 1.6 Coupe. Its reliable so my peers say.
p.s im not a typical 'boy racer'

Alanstrainor

I'm presuming you're under 25?

If so, insurance on that car will be next to impossible.

Faith+1

BadBizz wrote: »

Just wondering what a good first car would be?

Im thinking a Honda Civic 1.6 Coupe. Its reliable so my peers say.
p.s im not a typical 'boy racer'

You'd get a crazy quote for a car that size OP. I'd recommend something smaller like a Yaris, Micra, Fiesta etc.... Stay between 1L-1.2L.

BadBizz

Im 17.
Quoted last week for 1750? i was really shocked because its cheaper than a 1.3/1.4.

Faith+1

BadBizz wrote: »

Im 17.
Quoted last week for 1750? i was really shocked because its cheaper than a 1.3/1.4.

For a 1.6???? :rolleyes:

BadBizz

Faith+1 wrote: »

For a 1.6???? :rolleyes:

yes:D

arleitiss

Lucky you or you looked wrong, when I quoted for that size and I am 18, I got over 4'000. The only price I got cheapest 1750 Euros was for some 1.2 car. Can't remember what model I chose.

BadBizz

Yeaah its a 1.6 coupe i looked and checked and its right

MascotDec85

Ok it's 1750.


What is the value of the car?
Is that quote Fully Comprehensive, 3rd party Fire & Theft or simply 3rd party?
What is your excess?
What benefits are you getting? eg windscreen cover, recovery etc etc


All these things have a bearing on how good the policy is, not just the price you pay.

macroman

Really does depend on who you get quoted from. If it's €1750 then I'd say the excess would be sky high and the cover wouldn't be up to much. Who did you get quoted from?

Don't know of any insurers who would touch anyone that young with a provisional on a car that high risk.

Alanstrainor

Seems a bit mental, although i'd be interested to know who the broker/insurer is!

And also, if that price is with a Mum/Dad as a main driver, and the OP as a named driver, that might also explain a lot. If this is the case, it's worth noting that this would be considered fraud if you were the main driver of the car.

kevinbarry44th

hello for a first time car buyer and 17years of age stay away from anything over 1litre...at this stage keep your dreams of anything bigger until you have a ncb of 2 years or more.would suggest be a named driver on parent insurance as you can get the ncb(no claims bonus credit) when you go to get your own insurance policy then.

Alanstrainor

kevinbarry44th wrote: »

hello for a first time car buyer and 17years of age stay away from anything over 1litre...at this stage keep your dreams of anything bigger until you have a ncb of 2 years or more.would suggest be a named driver on parent insurance as you can get the ncb(no claims bonus credit) when you go to get your own insurance policy then.

Nothing wrong with a larger engined car, 1.2/1.4/1.5/1.6 etc. It all depends on the risk associated with the particular car. To say you should only try and get 1.0 litre cars is just wrong.

That being said, a 1.6 civic coupe does not fall under a low risk category...it'd be the exact opposite tbh.

You do not earn a NCB as a named driver. Some insurers recognise named driving experience, but this is not the same as a NCB.

Although, the couple of years driving, and hopefully then you'd have a full license would certainly bring costs down.

kevinbarry44th

Alanstrainor wrote: »

Nothing wrong with a larger engined car, 1.2/1.4/1.5/1.6 etc. It all depends on the risk associated with the particular car. To say you should only try and get 1.0 litre cars is just wrong.

That being said, a 1.6 civic coupe does not fall under a low risk category...it'd be the exact opposite tbh.

You do not earn a NCB as a named driver. Some insurers recognise named driving experience, but this is not the same as a NCB.

Although, the couple of years driving, and hopefully then you'd have a full license would certainly bring costs down.

no you are incorrect..you can get an insurance quotation and have your driving experience as a named driver on say parents insurance policy if a no claims bonus is evident under their policy. if you have been driving under their policy for one/two/three years etc,with no claims as named driver,you can get a letter from their insurance company of broker,stating the number of accident/claim free years of the nct of that policy which you have been a named driver having it added to you new insurance policy..you can do it once for every new policy you take out.

starlit

I think for those with a learners permit in particular getting a first car are restricted what car and engine it has they can purchase. Its under 1.6 maybe as low as 1.2 I think not so sure. Maybe less than that maybe less than a 1 litre.

I recommend a smaller car to be honest anyway. Any of the toyota, fords, nissan micra's, the meagan, opel or vw golf maybe. I say a peugeot might suit you that might be similar to the honda civic you be interested in.

Best to check with insurance policies.

Alanstrainor

kevinbarry44th wrote: »

no you are incorrect..you can get an insurance quotation and have your driving experience as a named driver on say parents insurance policy if a no claims bonus is evident under their policy. if you have been driving under their policy for one/two/three years etc,with no claims as named driver,you can get a letter from their insurance company of broker,stating the number of accident/claim free years of the nct of that policy which you have been a named driver having it added to you new insurance policy..you can do it once for every new policy you take out.

This is not NCB. This is merely named driving experience. As I said, not all insurers recognise this.

Alanstrainor

doovdela wrote: »

I think for those with a learners permit in particular getting a first car are restricted what car and engine it has they can purchase. Its under 1.6 maybe as low as 1.2 I think not so sure. Maybe less than that maybe less than a 1 litre.

This is not universally true. Maybe some insurers have this restriction, but not all, and i'd be interested in hearing what insurers do limit engine size.

Engine size is not the be all and end all. And it does not accurately reflect on performance either. Insurance is based on risk, not engine size.

Mister Jingles

Alanstrainor wrote: »

This is not universally true. Maybe some insurers have this restriction, but not all, and i'd be interested in hearing what insurers do limit engine size.

Engine size is not the be all and end all. And it does not accurately reflect on performance either. Insurance is based on risk, not engine size.

If going for that Aviva deal the max engine size they allow is 1.6.

I wonder is there much difference between a 1.0 Micra and a 1.4 Focus :P

brembo26

2000 Honda Civic Coupe 1.6 non vtec

Im 20
Male
Full Irish licence 3yrs
Total Excess:€190
Car kept in Galway
0 No claims

€1519.16

Crazy you can get it for only €200 or so more.

When I started on a learner permit when I was 17 in a 02 1.2 Punto I was paying €2100

MangoLime

I've got a Ford Ka and I love it! You'd get through the eye of a needle in it!

It's small so nice and easy to control

Might be a bit girly though!