Paddle wagon advice

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Lbond78
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Paddle wagon advice

Post by Lbond78 » Sun Jan 09, 2011 5:05 am

Ok i am a student 20 -21 this year looking for a car that will be able to handle a creeker on the roof and a bit of motorway use and abuse
car will be egistered to a cornish address.

Problem is i have only just got my licence NCB and a not that much money with teacher mother and retired grandparent as named drivers ... Standard complaints tbh.
Has anyone got any suggestions for a motor that will be able to fit the bill and come in at a total of sub 2080 for 3rd party insurance ,
ford focus estate 1.7 cheapest quote i had ....

GoldTopo
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Re: Paddle wagon advice

Post by GoldTopo » Sun Jan 09, 2011 8:34 am

Skoda Fabia 1.4 diesel.
Cheap to insure, will do motorway speeds with boats on the roof, and the hatchback has proper secure roofbar mounting points.

John N
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Re: Paddle wagon advice

Post by John N » Sun Jan 09, 2011 8:38 am

Old VOLVO's will carry almost anything, might even get a small creeker inside. Remember roof rack limits etc., but be very careful with the named drivers insurance. You need to make sure that if you are the MAIN driver you are listed as such. If you need the insurance and they prove (they are tightening up on this) that MUM and GRAN / GRAMPS were just there to lower your premium you are on dodgy ground!

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shanclan
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Re: Paddle wagon advice

Post by shanclan » Sun Jan 09, 2011 9:03 am

The Skoda Fabia 1.2 petrol is in Group 1 or 2 and is more capable than you might think.

If you are prepared not to use it between 11pm and 5am and limit your mileage, there are tracker schemes out there that should be well within your budget eg http://www.coverbox.co.uk/young_drivers.php

If you are a man and you are prepared to have a sex change it will also be cheaper.

If you are lying about the main driver, then you aren't on dodgy ground - you are just breaking the law. Lying about the use of the car to your insurer invalidates your insurance. Driving without insurance is an offence and having a serious accident without insurance is not a place you want to go.

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lou
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Re: Paddle wagon advice

Post by lou » Sun Jan 09, 2011 10:19 am

Have you thought about a van? Something like an old Astra van or Escort van. They used to be cheaper to insure than a car, your boat will fit in the back, and so will all your kit and even a couple of mates!

I presume they are still cheaper than a car to insure. Get a small engine, and make it a diesel.

Good luck! Insurance is scandalous for young drivers.

Lou

waterbourne
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Re: Paddle wagon advice

Post by waterbourne » Sun Jan 09, 2011 11:02 am

vauxhall vectra estate..... a very depreciating car.... ie lots of car for your money and if plan on keeping it it doesnt matter...

I bought one 4 years old with 23,ooo miles for five grand. You can get them on ebay for peanuts.

The back seats fold completely flat so you can sleep in it. My LL remix69 slides straight in with room to spare so it will take a long creaker and you can sleep next to it. It takes a roof rack too or some come with the rails. Mine will also take a full pa system and last summer I had 4 pssengers, all their luggage and two kayaks and two bikes on the roof plus paddles not too mention an alps trip with all kit required and 4 people.

Mine is reliable and with a 1.8 engine and will do 400 on a tank. Spares are plentiful on ebay as the car is so common. Its quiet too which makes for an easy long trip.

I honestly cant fault it and like I say, they are mega cheap...

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TheKrikkitWars
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Re: Paddle wagon advice

Post by TheKrikkitWars » Sun Jan 09, 2011 11:15 am

John N wrote:Old VOLVO's will carry almost anything, might even get a small creeker inside
I'm in the same position as the OP, but looking at the price of insurance for old volvo's put me right off them, £4k to insure myself, £2.5k to insure as main driver on the car registered to my parents.
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Mike Mayberry
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Re: Paddle wagon advice

Post by Mike Mayberry » Sun Jan 09, 2011 12:11 pm

Escort vans can be picked up really cheaply, shop around for insurance. You don't have to worry about throwing things in and out of it as that's what it's built for. I used to put my boat inside, when by myself and sleep alongside it, I also ran some ropes along to roof inside so I could tie it above my head with a passenger. They will also cruise at motorway speeds very comfortably, I used to get almost 600 miles to a tank of diesil.

Two of us, all the gear for a week away, three boats, two bikes, mountain board, kites and slept in it too... It cost me £1100 to buy, I ran it for five years and still £600 resale. It's still going now.

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eeonz
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Re: Paddle wagon advice

Post by eeonz » Sun Jan 09, 2011 12:49 pm

I gave up any ideas of having a "paddle wagon" as soon as I saw the insurance prices. I'm 22 and have only been driving for about 3 months (and it shows!). The prices of getting an estate or a van seemed absolutely crippling to me. Instead, I got a 1.4L corsa. I can get 2 boats on the roof (possibly 3 if I bought some uprights, although I doubt it) and enough kit for 3 people inside it. It's far from ideal, but if you can hold off getting the car that you want for a year or two whilst building up some no claims bonuses etc, you may save yourself a big chunk of money. Insurance on an estate that I wanted was £3000. It was £1300 on the Corsa.
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Matt Williams
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Re: Paddle wagon advice

Post by Matt Williams » Sun Jan 09, 2011 12:52 pm

Have you looked at the parkers website. They list vehicles by insurance groups so can find the cheapest estates etc to insure.

The peugeot 306 estate is pretty reasonable. If you get the flat diesel 1.9L Model it's low insurance so has the citroen berlingo.

Good luck.

Insurance Prices for students are daft!

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Sickboy
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Re: Paddle wagon advice

Post by Sickboy » Sun Jan 09, 2011 1:00 pm

If your doing motorway mileage then go for a diesel, so much cheaper to run, unless its got a good recent service history get the belts changed and your off for a few years. Try and get a non turbo one, cheaper insurance and less to go wrong.

Big old volvos are a good idea, but the insurance is a problem with them, no idea why, they are slow and driven by old's who drive even slower, and who's going to nick one? only the engine size can give the rob dogs an excuse to charge so much.

An estate would be a good idea, the savings on fuel without boats on the roof is considerable. Problem being any decent size estate car will have a higher ins group because they don't make them with small engines.
For any given price you'll end up with a higher mileage diesel, just check its been serviced.

I'll be looking for a new car in feb as theres no way mine will pass its MOT, I really don't care what i drive as long as its cheap to run and super reliable. Forget any particular make or model (although i rule out fords and vauxhalls) and go for service history, long mot, gut feeling, condition, insurance group, looks and price in that order. Even if its a good little runner, if you hate it you'll loath spending money on the thing.
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Kayacb
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Re: Paddle wagon advice

Post by Kayacb » Sun Jan 09, 2011 1:09 pm

Rockrat (Iain Robinson) is selling his escort van. £150 Pleanty left to spend on insurance!

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John Kennedy
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Re: Paddle wagon advice

Post by John Kennedy » Sun Jan 09, 2011 2:18 pm

Polo estate, 1.4 petrol.
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Randy Fandango
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Re: Paddle wagon advice

Post by Randy Fandango » Sun Jan 09, 2011 2:27 pm

shanclan wrote:
If you are lying about the main driver, then you aren't on dodgy ground - you are just breaking the law. Lying about the use of the car to your insurer invalidates your insurance. Driving without insurance is an offence and having a serious accident without insurance is not a place you want to go.
I read the OP to mean they were going to take out the insurance themselves (and therefore be the main driver) and to add their parent and grandparents as extra named drivers.
This is (I believe) totally legal as long as they inform their own insurers that they have been named as such and will certainly bring the OP's insurance down a bit while enabling them to build up some NCB.
Giles

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Randy Fandango
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Re: Paddle wagon advice

Post by Randy Fandango » Sun Jan 09, 2011 2:35 pm

By the way to the OP -- you need an old banger in a low insurance group (I'd spend under £500 on the car after trolling insurance comprison sites comparing car quote after car quote) then I'd make sure I left enough to get breakdown cover that covered roadside assist and relay/tow home of some sort.
Good luck :-)
Giles

BoaterJH
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Re: Paddle wagon advice

Post by BoaterJH » Sun Jan 09, 2011 3:01 pm

Skoda or VW SDI estates.

Polo
Fabia
Golf
Octavia

All group 4 or below insurance wise. All do up to c.60mpg,but can cruise on the motorway at higher speeds, tax is £130 or less.

All are low spec cars but are rock solid.
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slaughter950
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Re: Paddle wagon advice

Post by slaughter950 » Sun Jan 09, 2011 8:24 pm

That Skoda Fabia estate is a 1.9 and it gets 64bhp....
Is that even possible?
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ol
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Re: Paddle wagon advice

Post by ol » Sun Jan 09, 2011 8:49 pm

One word, Ford Fiesta.....(Ok, two words)
Even though I keep dreaming of estates and even vans, I just cannot fault my trusty Fiesta. Its the second one I've had now. If its just me, I can get my creek boat in no problem(lower the passenger seat and open the glovebox for an extra few inches)
Unbelievably I have also got both my creek boat in, AND my playboat, AND my paddles And my kit..... rear view was somewhat lacking but in all the same.
I have had two bmx's, a mountain bike and 3 people in it too no worries. Or 3 people wth a bike in the boot and two on a rack.
4 boats on the roofrack...
It cruises no problem at quick-motorway speeds and cost £45 to fill an empty tank the other day no that the fuel prices are horrendous.
You don't need a van or an estate, if you can afford one it is a nice luxury, but, you don't need one really.

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