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djbobbins

Preparing for shock of insurance cost

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A few days after I turned 16, I did a CBT and got out on the road on 2 wheels. by the time I did my driving test and got my first "car" (a transit) I had I think 3 years no claims.

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Cheers folks; for some reason I can’t put my thumb on, I am thinking of getting a Toyota iQ (the one that looks like the b*stard love child of a Smart car and a washing machine). The ones I have looked at are free to tax and allegedly cheap to insure, plus will hopefully be more reliable than the Fiat 500 the daughter says she wants.

Buying one will sting a bit at a couple of grand for an eleven year old car but I reckon they will hold their value pretty well, unless she mullers it (mind you, I will have had three years’ part time use out of it by then anyway).

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It makes me shiver reading this thread and it makes me feel glad that i was born when i was, first thing i ever insured was a 1974 yamaha FS1E at a cost of £11 then when i got to 17 it was a Yam dt175 and i think that was £15, then still 17 and past my test i got a Bedford HA viva van the ones that the post office, gas board, water board and telecom had and that was nearly a full wks wage to insure at £32,this was back in the early 80s when back then we had things that where much better than today, like good music, women with big hair, proper tits and not covered in tramp stamps, loads of cheap mk 1 & 11 escorts that didnt matter if we stuffed it or rolled it, we just towed to the scrap yard and got a fiver for it, then went and found another one to last a few months, then came the daddy mk2 1,9 ltr Opel Manta gte but it was not expensive to insure for a 18 year old who thought he was going to be the next Jimmy Maccrae, i think about £40 to insure it for the year, and the best thing of all petrol was circa 85p a gallon so it was affordable to go and thrash the arse of a car up in the hills for an hour or so every night, i dont think this would be possible at todays price,s and i dont think there would be many of todays kids capable of doing what we did, how things have changed and at times i find it hard to believe but its there to see, i watched a video on youtube recently that was a tribute to George Harrison and on stage was Eric Clapton,Paul Macartny,Elton John,Ringo Star,Mark King,Geff Lyne,Andy Fairweather Low, Dave Gilmore, Ronni Wood etc and one of the comments was there was more talent on that stage than there is in the worlds music industry today,

 

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5 hours ago, spuddog0507 said:

It makes me shiver reading this thread and it makes me feel glad that i was born when i was, first thing i ever insured was a 1974 yamaha FS1E at a cost of £11 then when i got to 17 it was a Yam dt175 and i think that was £15, then still 17 and past my test i got a Bedford HA viva van the ones that the post office, gas board, water board and telecom had and that was nearly a full wks wage to insure at £32,this was back in the early 80s when back then we had things that where much better than today, like good music, women with big hair, proper tits and not covered in tramp stamps, loads of cheap mk 1 & 11 escorts that didnt matter if we stuffed it or rolled it, we just towed to the scrap yard and got a fiver for it, then went and found another one to last a few months, then came the daddy mk2 1,9 ltr Opel Manta gte but it was not expensive to insure for a 18 year old who thought he was going to be the next Jimmy Maccrae, i think about £40 to insure it for the year, and the best thing of all petrol was circa 85p a gallon so it was affordable to go and thrash the arse of a car up in the hills for an hour or so every night, i dont think this would be possible at todays price,s and i dont think there would be many of todays kids capable of doing what we did, how things have changed and at times i find it hard to believe but its there to see, i watched a video on youtube recently that was a tribute to George Harrison and on stage was Eric Clapton,Paul Macartny,Elton John,Ringo Star,Mark King,Geff Lyne,Andy Fairweather Low, Dave Gilmore, Ronni Wood etc and one of the comments was there was more talent on that stage than there is in the worlds music industry today,

 

I remember insuring  700cc Royal Enfield Constellation TPFT for 17 shillings and 6 pence .

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At 17 it cost me £1000 fully comp for a mk1 golf 1.8 gti campaign edition in 1999 (5 weeks wages)

That seems cheap compared to the youngsters now

 

Edited by Will C
Garbled
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I had an XR3i when i was 17(1988) and that was a 1000 quid aswell,bloody hell shows our age now

Edited by gary112

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Had a Porsche 924 at 19 in 1985 which was 450 to insure. Doesn’t sound much now but previous car was a 3 year old mk3 escort estate which was 124.00 to insure so over 3 1/2 times the price of a fairly normal car ☹️ Enjoyed that for a year and was saving for a 911 after but got my sensible head on and bought first house instead

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7 hours ago, spuddog0507 said:

It makes me shiver reading this thread and it makes me feel glad that i was born when i was, first thing i ever insured was a 1974 yamaha FS1E at a cost of £11 then when i got to 17 it was a Yam dt175 and i think that was £15, then still 17 and past my test i got a Bedford HA viva van the ones that the post office, gas board, water board and telecom had and that was nearly a full wks wage to insure at £32,this was back in the early 80s when back then we had things that where much better than today, like good music, women with big hair, proper tits and not covered in tramp stamps, loads of cheap mk 1 & 11 escorts that didnt matter if we stuffed it or rolled it, we just towed to the scrap yard and got a fiver for it, then went and found another one to last a few months, then came the daddy mk2 1,9 ltr Opel Manta gte but it was not expensive to insure for a 18 year old who thought he was going to be the next Jimmy Maccrae, i think about £40 to insure it for the year, and the best thing of all petrol was circa 85p a gallon so it was affordable to go and thrash the arse of a car up in the hills for an hour or so every night, i dont think this would be possible at todays price,s and i dont think there would be many of todays kids capable of doing what we did, how things have changed and at times i find it hard to believe but its there to see, i watched a video on youtube recently that was a tribute to George Harrison and on stage was Eric Clapton,Paul Macartny,Elton John,Ringo Star,Mark King,Geff Lyne,Andy Fairweather Low, Dave Gilmore, Ronni Wood etc and one of the comments was there was more talent on that stage than there is in the worlds music industry today,

 

Eeeeeee. ....... tha knows it were reet grand then  😄  k

 

( loved my HA van  - Stromberg carb! )

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My son is 17, he's currently keen on a classic mini as insurance only around £300. I don't want everyone to start using classics though as then the price will go up even more.

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