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Returning to the road, can I get a boreen-able runner spending 10 to 12k?

  • 09-06-2018 5:05pm
    #1
    [Deleted User]
    Posts: 0 ✭


    So, permanent contract secured, I was looking through my numbers & I think I can finally stretch to getting a car. The most extreme thing I'd do with it is bring it up boreens for hiking and possibly running it through bad weather events. I've 10+ years full licence, and owned a car for over 5 of those. However, I've been without a car for some years,and my only driving experience at the moment is being a GoCar member and being a named driver on my parent's runabout (a Toyota Yaris, previously a 00 Hyundai accent for 2+years).

    The 20-4-10 rule tells me that about 10k total is available (over the 4 years), and combined with 2k saved deposit (by September) that brings me to 12k. What ranges should I be looking at with that kind of money? Will insurance drive me down to looking at a 6k late 00s car or can I up that to 7-8?

    Or do I need to abandon all hope of outdoor pursuits, and just get as cheap as possible to do the barest of minimums until my No Claims gets back to speed?


Comments

  • #2
    Cork981
    Registered Users, Registered Users 2 Posts: 799 ✭✭✭Cork981


    How many consecutive years named driver experience do you have ?

    Some insurers will take named experience and apply a NCB equivalent discount.


  • #3
    [Deleted User]
    Posts: 0 ✭ [Deleted User]


    Cork981 wrote: »
    How many consecutive years named driver experience do you have ?

    Some insurers will take named experience and apply a NCB equivalent discount.

    2 years on the Accent, about 6 months on the Yaris at this stage. I'd estimate that by the time it's relevant, I'd have 2-3/4 to 3 years total.


  • #4
    [Deleted User]
    Posts: 0 ✭ [Deleted User]


    Guys, what do we think of a Santa Fe? Too much Car for just one? How about a Dacia Duster?


  • #5
    racso1975
    Registered Users, Registered Users 2 Posts: 5,273 ✭✭✭racso1975


    What's your budget and are we looking petrol or diesel?


  • #6
    [Deleted User]
    Posts: 0 ✭ [Deleted User]


    racso1975 wrote: »
    What's your budget and are we looking petrol or diesel?

    From 1st post:
    The 20-4-10 rule tells me that about 10k total is available (over the 4 years), and combined with 2k saved deposit (by September) that brings me to 12k. What ranges should I be looking at with that kind of money? Will insurance drive me down to looking at a 6k late 00s car or can I up that to 7-8?

    I’m easy on either. The 1.5 size of the Dacia is turning me toward them at the moment, and the car you can get for 8-9k is streets ahead for them than for a Hyundai.

    As regards insurance, I’m a 2 years+ named driver after an ownership gap, with 5+ no claims before that.


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