what car would you recommend for cheap third party Fire And Theft insurance?

Question

I am 18 and have no no claims, any car will do but i want cheaper insurance cos i don't work (yet), i don't have Pass Plus or anything like that as the discount is always equal to the cost of taking it.

Cheer

Answer 1

my daughter is 18 she has just got a ford ka 2 its group2 insurance cheap road tax and very economical e Windows she loves it and its small for parking good first car

happy safe driving

Answer 2

In that case I would get third party fire and theft which basically means that you are covered for damage to others vehicles but not for the repair of your own if you are at fault. If someone else hits you then your car would be fixed by their insurance. To further complicate this I recently quote a cheaper quote from the same broker for fully comp than third party so it's worth asking for both. If you do go fully comp and make a claim against your own insurance (you hit someone or someone damages your car and runs off) then your premium will go up and it may have been cheaper to fix it yourself. The only good thing about fully comp is the courtesy car option. I would have been stuffed in the past without this BUT if you are hit by someone else their ins co should provide this, it just makes it easier to claim it on yours and for them to claim it from them. All car insurance is a con get the cheapest with the best options.

Answer 3

You would really have to get a very cheap car indeed to have 3rd party fire and theft insurance. As you know, if you do crash (and it's your fault or even 50/50) you will have to pay for the damage yourself so you can't take the risk. Your best bet would be to find someone who knows a lot about cars (do any family members know any mechanics) to do you a favour and come with you to look at some cheap runarounds! It depends how much you're willing to lose if you do crash! You can get a car in good working order for less than £500 but make sure there's plenty of tax/mot left on it.

Answer 4

Pretty much any of the small cars tend to be cheaper on insurance, but before you go for TPF&T, check how much fully comp is - I found I would have to pay nearly as much for TPF&T as I would for fully comp and it gives you much greater peace of mind. If your looking at really cheap to buy cars then a Corsa may still be out of your price range, but Nova's are similar, getting on a bit so are cheap to buy, plenty of them around so you can get spares at the scrappie and cheap insurance.

Another option which might be open to you is to see if your parents will add you to their insurance. I think Direct Line even allow you to build up your own no claims, even if your a on someone elses insurance.

Answer 5

Hi >
When I was 18, it was the cheapest old banger that I could find.
Turned out to be an Austin A35.
Worth a bit now, but £180 to insure now, fire & theft.
Grab an old thing of small value, the insurance folks take that into account.
Best of luck,
Bob

Answer 6

Ford Fiestas and Kas are obvious choices, but if you're going for an old MK3 Fiesta, beware as some companies wills ting you, simply because it's seen as a default boy racer choice, despite the small engines.

Vauxhall Corsas are cheap and dependable, but they're a tad dull really.

Fiat Puntos are fine, but look for electrical models. Cinquecento/Seicento Sportings are like Italian Mini Coopers. They're like hot hatches with Group 3 insurance, but they are very flimsy things, and if you do view one, look for signs of abuse..

Answer 7

Fiat Cinquecento S.
Year 1998.
Engine 899 cc

Great little car!
I was paying around £32 for 3rd Party Fire and Theft.

Hope you find similar.

Answer 8

why not contact your local insurance broker one you can trust and ask to check their records of teenage drivers car choices then decide what you want
that should help you get a handle on what to pay they might do installment
payments cheers

Answer 9

Anything with a small engine and no modifications

Answer 10

ford festia or K.....or a corsa