j
Member
Registered: 20th Jan 07
Location: Canterbury, Kent
User status: Offline
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Need to get rid of my corsa, seen a few cars i would like.
One being a black BMW 316i coupe, iv got a quote being 17 with no ncb for £209.99 a month  , thats cheap for me but quite alot of money, could manage it until december when i get my years no claims so it drops a bit, but the bmw is only £600, with all service history, 6 months tax and a years MOT, and is in good condition. Do i go for the BMW or hunt for something a tad cheaper on insurance
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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You're willing to pay £2520 a year on insurance?
Is that Fully Comp?
There is no way I would pay £2520 for a BMW 316 ever 
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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TBH, I think the title is misleading
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ed
Member
Registered: 10th Sep 03
User status: Offline
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You'd pay £209/month for a shitty old BMW? Are you Aisan?
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Planty02
Member
Registered: 5th Mar 05
Location: Burslem, Stoke-on-Trent
User status: Offline
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I'd wait until you're a little older (more NCB, driving experience etc) then look at other cars. Also consider running/service costs of a BMW
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Pop
Member
Registered: 8th May 03
Location: Reading
User status: Offline
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mmm a really tough decision.
Should you pay £2520 insurance on a £600 car
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nova_gteuk
Member
Registered: 15th May 02
Location: South Wales Drives: The Bandwagon
User status: Offline
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Keep your corsa untill you have a few years no claims,id never pay that much to insure an old banger of a bmw.
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j
Member
Registered: 20th Jan 07
Location: Canterbury, Kent
User status: Offline
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lol, yea thats fully comp. I earn around £800 a month, minus £120 rent i have £680 left to do nothing with so yea i would pay £209 a month untill i renew my insurance in december when itl drop to around£ 1400 which is what im paying now on my corsa
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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Seriously, don't do it.
316s are shit, it's not worth paying £1400, let alone £2520
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ed
Member
Registered: 10th Sep 03
User status: Offline
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You'd get fully comp on a shitty £600 BMW 
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j
Member
Registered: 20th Jan 07
Location: Canterbury, Kent
User status: Offline
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Fully comp was cheaper than TPFT, as it is on my corsa
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DannyParker
Member
Registered: 26th Jun 07
Location: Blackburn, Lancs
User status: Offline
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quote:
Originally posted by ed
You'd pay £209/month for a shitty old BMW? Are you Aisan?
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andys sxi
Premium Member
Registered: 19th Jan 06
Location: Chester Drives:Scirocco tdi bluemotion
User status: Offline
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no way is it worth payin £2520 on a £600 bmw look at newer model cars if u wanna pay a higher insurance if the money is buring a hole in ur pocket each month
April 08 feature car
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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You might be able to afford the insurance, but what about when something goes wrong. Older BMW parts are going to be more expensive than the average 17-year-old drivers car.
Plus, if you have the slightest crash, they'll write it off, and you'll see nothing of the £2k+ insurance you've paid.
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John
Member
Registered: 30th Jun 03
User status: Offline
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quote:
Originally posted by ed
You'd pay £209/month for a shitty old BMW? Are you Aisan?
Racist
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j
Member
Registered: 20th Jan 07
Location: Canterbury, Kent
User status: Offline
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Well its just under £100 on top of my monthly payments now, so when my policy ends, i would only of paid an extra £500 on top of what i would have paid to keep my corsa until the policy ends. And as for when it goes wrong, yea it will be more expensive to fix, but il still have spair money every month just incase
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Kathryn W
Member
Registered: 12th Oct 03
Location: Widnes, Cheshire
User status: Offline
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Your morals are wrong
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FasT09
Member
Registered: 4th Feb 05
Location: North Yorkshire
User status: Offline
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however even when ur 21 with 4yrs ncb its still 1100 for a fricking clio 172.
i want to be 25!
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j
Member
Registered: 20th Jan 07
Location: Canterbury, Kent
User status: Offline
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Explain Kathryn...
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FasT09
Member
Registered: 4th Feb 05
Location: North Yorkshire
User status: Offline
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i hate insurance companies!
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AdZ9
Member
Registered: 14th Apr 06
User status: Offline
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quote:
Originally posted by FasT09
however even when ur 21 with 4yrs ncb its still 1100 for a fricking clio 172.
i want to be 25!
I did a quote on a 172 and im 21 (22 in 3 weeks) with 4yrs ncb and it was less than 1100, think it was more like 900 through directline
Also j if your willing to pay £200 a month, get a loan for 4/5k and buy a new car which will last u the next 3/4 yrs with that u could get a new car and insurance for the 200 a month.
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Jake
Member
Registered: 24th Jan 05
User status: Offline
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bmw 316 are slow as shit. Why the fuck would you pay £200 a month on insurance. Money better put to one side for a flat or something
jesus
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j
Member
Registered: 20th Jan 07
Location: Canterbury, Kent
User status: Offline
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Cant get a loan yet mate, not 18 for 2 months
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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quote:
Originally posted by FasT09
however even when ur 21 with 4yrs ncb its still 1100 for a fricking clio 172.
i want to be 25!
I'm 20 with 1 year NCB and it's under a grand 
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j
Member
Registered: 20th Jan 07
Location: Canterbury, Kent
User status: Offline
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quote:
Originally posted by jake
bmw 316 are slow as shit. Why the fuck would you pay £200 a month on insurance. Money better put to one side for a flat or something
jesus
Dont need to save for a flat, no rush to go anywhere, like i said its only and extra £500 on top of my corsa for the time i would have it, which is nothing really. Bloody hell was only asking for advice this site can be proper sh*t sometimes people need to chill out!!
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