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AndyCorsaSport

Member

Registered: 12th Feb 06
Location: Horsforth, West Yorkshire
User status: Offline

14th Nov 10 at 17:12

Basically, i want to know your opinions on the matter, or what you would do in the situation.

Currently own a 2004/54 Clio 182, lovely car, love it to peices, but its costing me a lot to insure/run.

Renewal is up next week and cheapest i can get is to stick with Admiral for £1,906 FC

Thing is, i hardly use the car, i work 3 miles from home, and all i use it for is to go to work and back, to the gf's and back, and sometimes for a little drive on a weekend etc.

I get paid weekly, so i work out my outgoings weekly, it will cost me £40 a week to insure it, and i put around £30 petrol in a week, so £70 per week.

My company is moving soon, so instead of being 3 miles from work, i will be 11 miles, not a huge difference, but instead of 30 miles per week, it will be 110. Thus meaning more fuel to be used.

Should i just sell it and buy something cheaper, i still want to be into modding etc, if i was to sell id like another Corsa C SRi, either 1.4, or 1.7 CDTi, decked on Porsche D90's. I can insure either of these for around £1,000, so saving £900 for a start, plus the saving on fuel etc.

What would you do?

Rich H

Member

Registered: 26th Oct 05
Location: West Sussex Drives: E46 M3
User status: Offline

14th Nov 10 at 17:14

Think you've answered it yourself tbh!

DannyB

Premium Member

Registered: 6th Feb 08
User status: Offline

14th Nov 10 at 17:14

I'd get rid of the Clio, it's a no brainer really, there's plenty of time for quicker cars.

AndyCorsaSport

Member

Registered: 12th Feb 06
Location: Horsforth, West Yorkshire
User status: Offline

14th Nov 10 at 17:21

Cheers, suppose i did answer it myself really

Pic of the Clio for anyone who doesnt know.

Id really miss it though

chrisritch

Member

Registered: 2nd Sep 08
Location: Northants Drives: V40
User status: Offline

14th Nov 10 at 17:22

give it to me tbh

AndyCorsaSport

Member

Registered: 12th Feb 06
Location: Horsforth, West Yorkshire
User status: Offline

14th Nov 10 at 18:04

quote:
Originally posted by chrisritch
give it to me tbh

Buy it tbh

mattk

Member

Registered: 27th Feb 06
Location: St. Helens
User status: Offline

14th Nov 10 at 18:06

Keep it, get a 125cc scooter for work

SAL

Premium Member

Registered: 19th Dec 05
Location: Radlett, Hertfordshire
User status: Offline

14th Nov 10 at 18:15

How much is it worth ?

Jambo

Member

Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline

14th Nov 10 at 18:17

I doubt naything will be much cheaper to run unless its not a performance car?
Then you will spend £X amount modding it and not be as happy with it?

I would keep it tbh.

Adam_B

Member

Registered: 13th Dec 00
Location: Lancashire
User status: Offline

14th Nov 10 at 18:21

Is it on a limited mileage policy? your only doing about 6k a year.

Rich H

Member

Registered: 26th Oct 05
Location: West Sussex Drives: E46 M3
User status: Offline

14th Nov 10 at 18:21

Saving £900 p/a on insurance premiums would be quite a saving though Jambo! And presumably on the Corsa's tax is cheaper too?

I guess the only trouble is fuel economy will never be great travelling such short distances as the engine won't get a chance to get up to temperature.

Corsa_Sport21

Member

Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline

14th Nov 10 at 18:22

Sell it.

Is it really worth paying nearly 2k a year to insure it.

CORSA NUT

Member

Registered: 3rd Aug 01
Location: Wirral
User status: Offline

14th Nov 10 at 18:27

Jesus how old are you?? I only paid £450 to insure mine

AndyCorsaSport

Member

Registered: 12th Feb 06
Location: Horsforth, West Yorkshire
User status: Offline

14th Nov 10 at 18:31

quote:
Originally posted by Adam_B
Is it on a limited mileage policy? your only doing about 6k a year.

Mattk- Cant afford to insure a car and a scooter

Stavs- Been told on ClioSport to put it up at £4500 and go from there, unsure tbh.

I see what your saying Jambo, just the insurance is daft

Adam_B- Its insured to do 8k a year atm

Rich H- Yeah its currently averaging 27mpg due to it always been on cold start on a morning/night for the measly 3 mile drive. If i go for a run, and it warms up, it goes up to 38mpg if i drive it right.

Corsa Nut, im 22, but only have 1 year no claims bonus, and 3 points for speeding.

CORSA NUT

Member

Registered: 3rd Aug 01
Location: Wirral
User status: Offline

14th Nov 10 at 18:35

Arrr right

Still high that though? Can you not insure your dad on it etc to help? Or put it in his name and become a named driver and earn your own no claims? Seems a shame to sell up TBH

AndyCorsaSport

Member

Registered: 12th Feb 06
Location: Horsforth, West Yorkshire
User status: Offline

14th Nov 10 at 18:37

quote:
Originally posted by CORSA NUT
Arrr right Still high that though? Can you not insure your dad on it etc to help? Or put it in his name and become a named driver and earn your own no claims? Seems a shame to sell up TBH

I know, ive tried everything, Brentacre/Flux cant beat it neither.

As it is, im named driver, with my mum and sister on the policy to bring it down.

CORSA NUT

Member

Registered: 3rd Aug 01
Location: Wirral
User status: Offline

14th Nov 10 at 18:39

Bugger

Rich H

Member

Registered: 26th Oct 05
Location: West Sussex Drives: E46 M3
User status: Offline

14th Nov 10 at 18:44

Admiral do seem to be cheapest for a lot of things atm, but have you tried Greenlight if you've tried Brentacre and Flux? Greenlight were nearly half the price compared to the other 2 when I got quotes before!

Jake

Member

Registered: 24th Jan 05
User status: Offline

14th Nov 10 at 18:45

hic has always been cheap for me

Corsa_Sport21

Member

Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline

14th Nov 10 at 18:46

What about going TPFT??

Not ideal on a car of that value though.

AndyCorsaSport

Member

Registered: 12th Feb 06
Location: Horsforth, West Yorkshire
User status: Offline

14th Nov 10 at 19:05

Ill try Greenlight see how i go!!

quote:
Originally posted by Corsa_Sport21
What about going TPFT??

Not ideal on a car of that value though.

Nah, wouldnt want to tbh, TPFT is useless.

Jambo

Member

Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline

14th Nov 10 at 19:09

Try Avivia they where cheap for me on Ins.

Changing cars costs money, you know the one you have is good so would you risk dicking around with a new car? Insurance money you would loose switching?

Rich H

Member

Registered: 26th Oct 05
Location: West Sussex Drives: E46 M3
User status: Offline

14th Nov 10 at 19:10

Can do online quotes with Greenlight now too it seems: https://www.greenlightinsurance.com/carinsurancequoteform.php?Referrer=MK2

AndyCorsaSport

Member

Registered: 12th Feb 06
Location: Horsforth, West Yorkshire
User status: Offline

14th Nov 10 at 19:17

Cheers Rich, just filled it in, but cant put added drivers on a quote for some reason, might have to give them a bell, ill try Aviva too!

Ian W

Member

Registered: 8th Nov 03
Location: Wirral, Merseyside
User status: Offline

14th Nov 10 at 19:18

Greenlight have always been at least 50% cheaper than everyone else for me.

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