Forums Forums Enthusiast Forums A - Z Autowirral Car Insurance companies are a piss take...

Yeah, Clio's, 106's and Fiesta's in particular are both cheap to buy and insure. The insurance group on your Beemer must be 10/11, so bear in mind most of these cars are only around group 3 - 5. Should be able to save yourself a decent amount, the only thing is, would you go to a smaller car lower sized engine? Don't forget though, if you are okay with a smaller car, although yours is a 1.6 pushing 100BHP, a smaller car is lighter and therefore there prob wont be much difference in speed between yours and a 1.4 small car pushing say 80BHP. A small car is a different world to a saloon though.

306DTurbos are group 5. IIRC they are nearly 100bhp too

Might even save you some fuel money with being a derv as well

Yeah, I like the 306TD's, they are also cheap as chips. Only thing with them is they are not overly fast for what they are (92BHP but slower then most 1.4 petrols) and to be honest their fuel economy isnt much better then petrols.

But I think they are very smart and their features are good. Engines are quite strong, although I have heard in a few places they are "prone" to head gasket failiures, not sure how true this is though.

Up the boost a tad and they shoud see over 100bhp

Think is the diesel engine is heavier than a 1.4 petrol which makes them a little more "sure footed" on the roads, and they have the torque to pull them round

MPG is around 45ish, but when boi diesel is 80p / liter, although their mpg doesnt change, the cost per mile is 20% cheaper

Joe tesco's and sainsburys are well cheap try them online.

yeah joe,get a small hatch with a diesel engine,the smaller the better. I think u can get a corsa with a 1.5 diesel cant u,if thats not cheap to insure then nothing is lol. Also,have u tried a fiat panda (im sure theyre grp 1)

In response to most of your replies, these are the cheapest quotes I could be arsed finding cas it's getting me down lol.....

1.7 VAUXHALL ASTRA MERIT TURBO DIESEL 1996
FULLY COMP: £4,518
TPFT: £4,084

Peugeot 306 1.9 Turbo Diesel Sports Edition
TPFT: £3,789 (£200 theft excess)

1997 PEUGEOT 1.9 LX TD
TPFT: 3,789.44 (£200 theft excess)

2001 FIAT BRAVA 80 SX 1.2
FULLY COMP: £5,212.33

2001 PEUGEOT 206 1.4 GLX 5dr
FULLY COMP: £5,995

FIAT PUNTO 2000 1.2 (most rediculous quote for such a small car)
FULLY COMP: £4,832.84

1994 VAUXHALL COMBO LS DIESEL WHITE 1.7
£1890 (Could be an idea at that price!)

1997 FORD ESCORT ENCORE 1.3 RED 5dr
TPFT: £3,505

1992 SUZUKI SAMURAI SPORT 1.3
TPFT: £2,826.36
third party: £2,793.96


So bike it is then!

btw, fiat panda.....I'm not THAT desparate!

ahhh just got another a quote on the suzuki samurai sport, £1441.04 TPFT with a 10 month bonus accelerator (whatever that is!) so its now a choice between a 4x4, a van perhaps (thinkin of really cool corsa mods for it lol), and a bike.

You need to look at older cars mate, the insurance is always higher with new cars.

Look around pre-1994 for lower insurance, the same age as your beemer would be good.

ok, i'll try again for round 2 tomorrow lol

Good luck matey!

Very true get a mk1 fiesta. Mk3 escort dont see many about and if its early enough should get free tax (i think).

Try a 1.1 saxo bud

The Saxo's are too new Jay, they were from 1996 and also the 1.1 is a group 4 .... the same as many small 1.4's.

My mate has a 1998 1.1 and she is paying a lot more for that then I am for 1.4 Clio.

corsa combi van,wouldnt a 3 door with an EVEN smaller engine be cheaper.anything under 2k wud be a bargain matey. ur age with NO NCB is a real problem for insurance companys