A lifetime working in insurance tells me getting your car Insured in a parents name and you as a named driver is a no-no. Its an easy fraud to spot and immediately invalidates your insurance so as well as probably smashing your car up and possibly having someone else's insurer chasing you for a recovery of their outlay you will probably get a conviction for driving whilst uninsured that costs you a fine and points on your license and even more costly insurance premiums. It also forces the parent to disown the child and claim they didn't know or they could face a conspiracy charge - a fine - and possible points. In any event their costs would then rise too because their insurers would ask themselves why should they trust someone who has been proven to be untruthful? I know its a pain and I know its a cost but honesty will always be rewarded and as expensive as the Insurance will be its probably cheaper in the long run compared with all the potential costs I outline above and certainly less stressful.
@@HighPeakAutos Its just down to experience Matt - I know fraud investigators who would get to the truth in less than 5 questions - that fraud avenue is in decline
Insurance companies are all over this. They view this as fraud, full stop. I have seen them pull data from phones, social media and other records to prove residency and who is the actual main driver of a car. Again any modifications to cars need to be reported to an insurance company, including stickers and updated wheels. How about recommending new drivers do the advanced IAM young drivers course or one of the Rospa courses? Both useful and fully legal!
This is what top gear was like with Quinton wilson when it was first prodcast ,a working man’s program along with working man’s prices,unfortunately it’s just a game show now
Excellent choices! 20 years ago (when we passed) upto 1.4 normally aspirated engine cars were the only ones we could afford to insure. We were always looking for the most powerful 1.4 engine
Matt, can't believe you missed the wide card, Renault Twingo - I believe (it was when I bought it for my son 5 years ago) the cheapest 4 cylinder car to insure in the UK. It's been a genuine rock for 5 years and have just helped him replace it with a Scirocco. We have just sold the Twingo for what I paid 5 years ago! Otherwise yet another outstanding video, thanks
My colleague at work who's only 20 years old and recently passed his test has one of those Twingos. For me personally I'm no fan at all. I hate the look of it and how small it, and the fact that you gotta pay £2000 insurance for it, but then each to their own l guess 🤷🏻♂️
Great vid as usual. Bad idea to insure in your parents name. It’s called fronting and could see a claim being rejected. My advice would be get a first car to learn in, not when you pass. That way your first 6 months or so are cheap on learner insurance then you’ll only pay high insurance for 2nd 6 months and at the end you’ll have a year’s NCD.
@@mattshiz You can't even front anymore its more expensive to have a parent as the primary driver and the new driver as the 2nd driver. Its actually cheaper to just put yourself as the first driver and your parent as 2nd.
I don't see how that insurance technique works. You need to go through a full years insurance to get the no claims bonus, you won't be able to have an insurance policy for 6 months, cancel and then re-apply saying you've got a years no claims.
Great video, really helpful. My daughter passed her test in a little 1.6 Clio which I bought for her to learn in. Once passed her test the insurance said nope. Couldn’t get cover. She was ok on my policy as a learner but not on her own policy with a full licence. Go figure. Also just to add to the comments about insurance, if you make any modifications to the standard specification of the vehicle technically you need to inform your insurer. I’m referring to the bit about changing your fiat 500 into an abarth replica. Changing things like wheels need to be cleared. Basically you don’t want to give insurers any excuse to leave your cover null & void when it comes to making a claim.
Hi Matt. Love the channel - For a first time driver I recommend a Honda Jazz SI in a 1.2 Petrol if you can find one. It has alloy wheels and a spoiler and totally reliable as it has a timing chain. Also has magic rear seats so you can get a mtb or two in the back etc.
Having run a used car dealership for years, and having had a contact with our local Honda dealership I have sold hundreds of Jazz's over the years and they are brilliant because apart from servicing I virtually never saw them back. The problem is convincing a youngster they need one, the kids hate them as they are associated with old people.
I come from an age when petrol was cheap and third party insurance was significantly cheaper than fully comp. So 2 or 3 litre Capri was the car for boys about town. Those were the days 👍
This was great, I'd actually like to see your take on the best "2nd car under 10k~... ", I think that's almost as significant a step for motorists as their 1st, that point that "okay, I've passed my test and had my first run around for a couple of years years to get the insurance down but now I want to step up to something a little more exciting without breaking the bank completely".
My son got a C30 D5 as his first car, lovely car to drive and didn’t cost the Earth for his first year with no black box. Such a shame Volvo stopped making them.
Just picked up an MX-5 RF 2 litre facelift model for my first car (I only passed at 21 so I can afford a bit more). Family seem to think I'm nuts but it's the absolute dog's knackers.
@@HighPeakAutos but this is a pointless thread as C30s are miles off being insurable for under 21s. I think even the base 1.6 is in insurance Group 10 or 11 and new drivers need to realistically be looking at Group 5 or less.
@@neilturner6749 I got some decent quotes when I was looking at C30's a couple of year's ago, about a grand or less off the top of my head. Albeit I was 19 not 17.
And if you’re absolute mong you buy a V6 Mondeo Mk3 that isn’t cheap to tax or fuel and has a zillion things that need fixing. People can be such idiots I tell you.🙄🤡
My first car was a 1979 Mini 1000, which I bought in Sept 1994 as I started learning to drive age 17. Insurance was about £350-390 for it with my mum as the main driver. The fickle world of car insurance premiums makes wonder if I could have paid a similar insurance premium for a bigger car like Ford Cortina or Capri 1.6. You could buy one of those for a few hundred pounds back then! And I wouldn't have had to put up with a cramped driving position.
Insurance for me as a 17 year old for a 2007 volvo c30 still costs £5000+ to insure a year and i cant figure out why. The car is only for sale for £2600 with no damage to it and a fairly low milage
I bought my first car in 2019, but because I'm mentally 64, it was a Jaguar X-Type with the 2.5 petrol V6 and AWD (dark blue with no chrome, looked great). 52,000 miles, £1,500 and about £1,000 to insure. There are definitely some creative ways of spending that £3K budget.
@@damndaniel2880 To be fair, I had passed my test a few years before getting to a position to be able to buy my first car, so I had my license a few years at that time which probably lowered it. Set yourself an overall budget for cost of the car, insurance, tax etc and see what's around and get some insurance quote - you might get a quote that's the same price as the actual car, but if it's a car you really want then it might be worth half your budget.
I bought my first car, a 2013 Ford Fiesta 1.5TDCI back in November 2019 for only £3200 with only 53,000 miles. It was a cat S but the only thing that happened to it was the drivers side door and side skirt had a big dent in it and I was shown the photos of it damaged and how it was fixed. It’s still going strong now with very few issues and it’s very cheap to fix. What a bargain I ended up with.
Don’t say it got written off from a big dent in the door 😭 my neighbour crashed into my 2012 facelift the other week and I’m waiting for his insurers verdict… I don’t want my car written off 😂😭 To add detail is a 60k miles 1.25
@@garrytheninja5404 you might do alright with current car prices, my fiesta red edition got written off just before Christmas after an old lady pulled out on me, insurance gave me just under what I paid for it 4 years ago and I'd added 40k miles to it lol. Shame about the car though 😕
@@garrytheninja5404 You can do a cash in lieu with the insurance company. They pay you for the damage to the car (or cars value, whatever is lower), you keep the car and fix it yourself. No write off etc. I did the same with my insurance company when neighbour went into the back of me. Going through insurance, repairs were over £7k. Privately it was £400. I made over £4.5k this way 🤣
I totally agree with the Suzuki Swift. There's something about bike manufacturers who also do cars (or vice versa). The engines are really good and they are very reliable. Little known fact: Yamaha has designed engines for car manufacturers. The Swift is also a bit quirky but that doesn't make it impractical or an object of ridicule.
The 100bhp 1.6 in Fords and the Volvo in this video was partly designed by Yamaha, its a great engine. They also helped with the 190bhp Toyota engine in some Celica and Corolla models.
Swifts are good, but as my 22 year old daughter found out to her cost, they are expensive to insure also the 1.5 petrol has pretty poor fuel economy, she sold it after 6 weeks and bought a BMW 1 series 116D sport which was cheaper to insure and superb fuel economy, parts are cheaper than Suzuki
My first car was a 2009 Ford Focus 1.6 Titanium hatchback - nice to drive, lots of equipment and a very practical car, all for £1800. Even though it had 115k on the clock, I never had any mechanical issues and those 1.6 Zetec engines are supposed to be pretty bulletproof. Same one as in the C30.
Bought my first car, a Citroën C1 recently. Mainly due to how cheap it is to run (like consistent 60mpg) and how little the insurance is. Plus it's a breeze to park! I know it's nothing special at all but it's reliable and it's mine and that's all that maters right now.
Great selection of cars. I’d avoid the BMW 1 series - it had an awkward driving position (clutch was set too far to the right) and it had no cup holders!
The 1 series has one of the best driving positions and pedal positions of any car! I’ve driven loads of cars and for some reason the 1 series is one of my favourites. I still wouldn’t recommend one, because of other reasons. The steering is way to heavy, especially if you don’t like a sporty drive. The suspension is way too stiff and it drinksssss fuel. If you do want a 1 series go for a diesel pre lci. Better economy better engine
I considered a Ford Fiesta but ended up going for a 08 Mazda 2 TS2. Same platform, but lighter so drives better, more standard equipment, and no cambelt to worry about. Picked it up for £2000 and never had to spend anything on it for 3 years other than the regular mot and service, and a blast to drive down B-roads
So if your 18 do as follows. Name :. Reverend John Smith Address.. the old vicarage Stowe on the wold. Other named drivers: my auntie, sister Smith of the immaculate conception sisterhood , Stowe on the wold's nunnery, And my uncle ,the archbishop of Westminster 👍 Type of car being insured: 2013 ford fiesta ST declared mods: stage 3 engine, lowering springs, focus RS brake upgrade, full roll cage, £7'000 ICE with playstation 5 and headrest monitors.rapped in chrome green. 😀
Wow if only I had that much dollah to spend on a first car! Times have changed. Remember in college everyone had a shed of some sort, be it a nova, clio or corsa. These days you see young adults in basically what you've listed. First car (still have it) is a classic mini, 800quid. Learnt how to repair it, rebuild etc etc but was lucky to have parents double garage with wide range of tools. Can't fault an older car to learn in, really appreciate road conditions then. Ended up requiring a second car due to classic car issues, this was an 88 corolla shed I picked up for 100quid. Spent time cleaning it up and drove it for a while. Sold that for bit of a profit then got myself a top of line 88 mazda 323. Again a bit of a shed but mechanically sound, had that for till I was 23 - unfortunately the little ends went so went to scrap. Was only then I picked up a sw20 20th anniversary mr2, 900quid. After that had 3l z4 then lexus ct200 - all of which sold for same or a little more money. What I'm trying to say is, be patient learn how to drive - get your experience up and make mistakes in something you don't care about. There's alot of enjoyment in driving a car you don't mind damaging, plus you can actually afford to fix without taking hand outs or loans.
The young drivers telematic insurance firm I used to work for used a series of risk assessment questions to determine if you were suitable. Any changes to a car from standard including go faster stickers (like the Abarth) or wraps would be classed as mods & would disqualify you. As other people have commented start with the smallest engined standard car you can & earn your NCD before moving to anything bigger engined.
Then there’s me who got a 2016 Alfa Romeo Giulietta 2.0 diesel for a first car that needed a new clutch and 4 tyres within 3 months, worth every penny though such a blast to drive 😂
I'd actually recommend the diesel in a Fiesta. My dad had a diesel Ford Fusion, basically a Fiesta on stilts, and he abused the hell out of if (he's not a good driver). He once pulled off from the lights in 4th gear, and it didn't really give a sh*t. If you want nigh unkillable, go for the diesel, you won't regret it.
My first car was a Mini 1275GT I'll leave that there, anyway I've had two golf MK4 1.9SE diesels one after the other both run up with high mileages. These golfs were cheap to run and bullet proof. Not sure how the insurance is for youngsters but its a great car all round including bits you can change without needing to 'programme' them. Fist cars don't always have to be newish.
I had a 1.6 Capri lazer as a first car in 1995 I was 21 and a named driver on my mum’s insurance,policy was about £500 a lot of money back then had good times in that car
For my sons we always looked at insurance group first, not sure what the costs difference is though for a Grp5 vs Grp15. On both occasions we went for 5 doors because side panels are smaller and therefore cheaper….and you mates can always get out quick if your turn it over 😳
Insurance group doesn't necessarily make that big a difference, it's all down to the overall risk profile. A group 1 car that gets crashed a lot might end up costing more than a group 20 car that stays rubber side down.
@@HighPeakAutos They definately do. A few years ago, whilst sorting out my renewal I rang up my insurance company twice on the same day and got 2 differet prices for the exact same cover.
And avoid any model with GT, RS or Sport etc in the name - it's like a red flag to a bull for an insurance company. If you are young and you buy a car like that they'll just assume you're going to have an epic shunt and write it off.
Hi Matt. Do you rate the Honda Jazz? I bought one as a car to take the dogs out in and I absolutely love it. Super reliable, super practical and cheap as chips to run. OK, they are bought by pensioners but who cares? You never mention them and I am always surprised....
@@HighPeakAutos They are brilliant! Exactly why I bought one, I fold the seats up and the dogs jump right in. They also fold down flat the other way so you can fit a few fence panels in. And I can park it in a hedge because it only cost a grand. Anyway, loving your videos, I also have a long history with Lexus (including my current LS460) so always interested when you drop some Lexus content.
Insurance is weird, if you pick common cars it scuppers you, if you pick rare it scuppers you. Either way, honesty is the best policy. My clio 1.2 first car was £1200 fully comp, my fiesta ZS after was the same. Civic Type r was £800 at 21 fully comp. My current car is by far the rarest, fastest and most powerful I've had yet £420
Well done pics to show which cars you are talking about A**** Top of the class.. Last word need to get a better table that things wabbling all over ?? Made me nervouse whilst watching knowing how much that lap top cost !! Sorry I meant the mug !!
I got a 1.4 mk 6 fiesta face lift for £400 78k on the clock and nothing wrong with it mechanically sound, it was a low spec but new stereo couple of new speakers and got the fog lights off a higher spec one for free and off you go, it dose need a new driver side wing about £30 part even colour match and just like it it looks and drives great, I got it for a mate and when he gets a new car we’ll be selling that for about £800, property take £700 haha
Had a 2004 Fiat Punto as my first car for 3 years now, the car plus insurance came to less than £2k! It's a brilliant practical choice, nice to drive and easy to work on, but not the most reliable. I'm looking for my second car now and thinking either a Nissan Micra, Honda Jazz, Peugeot 208 or Ford Fiesta as I want something reliable, comfortable and not too big or expensive to insure (even with nearly 3 years no-claims I'm getting quotes over £1200 on some cars I would like)
As a young 107 driver, keep it for 2-3 years and build your no claims and some savings up, after that you'll be able to afford something decent like a 500 abarth,keep away from black boxes if at all possible as they will be super sensitive to any harsh driving
Dash cams are a great way for picking up on insurance fraud,and capturing who is at fault for most types of accidents ,yet insurance companies don’t offer you a discount for having one in your car
Great video. I’ve sent it to my car-obsessed 16 year old, who is counting down the days until his lessons start, and told him it’s worth taking 10 mins away from F1 sim racing to listen to a guy I trust talk about first cars. He’ll like that you’ve got the Swift on there, but whether he’ll manage to get a Swift Sport, for his (insurance) budget, only time will tell! PS You’re right, that table is too high! Better in the SUVs vid. 😀
Its baffling how everyone in the comments section is clapping along like sea lions in a circus when this is all lies. Not one of these cars can be found for Under £3,000
I’m 17 and much to my delight one the cars on the list is what I have, it’s a Volvo C30 r Design sport 2.0d 👌amazing car would defo recommend to others the 1.6 hid engine because it way less thirsty on the go go juice ( but obviously not as fast by a fair bit 🤣, I’ve drove a 1.6, it was pretty flat compared to the 2.0 turbo
I own an A3 Sportsback 2.0TDI quattro. And I absolutely love my car. Very tough, nice looking, nice to drive and somewhat economical (35-40mpg). The AWD system is awesome. The Haldex clutch does miracles.
My first car was a 2002 Alfa Romeo 156 berlina in Grigio Sterling with red leather interior. It was one of those in-between cars that had the pre-facelift exterior and new dash inside. It had lots of kms but I loved it to bits, spent a small fortune fixing it and regret nothing (apart from having sold it for little more than scrap value).
Can we assume you were either over 25 when you bought your first car or else weren’t legally insured on it though? Bearing in mind that 1.2 Polo costs around £1500 pa for an 18yr old new Male driver and a 1.4 Polo over £2000 pa, how much does a 1.8 Alfa cost?
Doing an Abarth replica would leave you with Abarth premiums for 1.2 performance, may as well drive the 1.2 and save for an Abarth when the premiums start to drop
love this video! I have an A1 as a first car s line black and I insured with Adrian Flux. By far the best company to go with- avoid comparison sites at all cost they're bulshit in my opinion. I have a no curfews black box- seems to be the best
Insurance companies are criminals. If you can get cheaper by changing a bit of information then do it. I did it by naming my ex as a second driver. Saved me £200 a year for at least four years. 🤣🤣🖕🤣
Hi matt love ur channel and really appreciate what u re doing,,, I just passed my driving test i am looking to buy for my firt car ever ,,, zero experience Since i dont know anything about car i would really appreciate if you can share with me ur recommendation which car i should buy ,,, cheap and reliable since i am also not doing good financially Thanks
Hi Matthew love watching the videos concise and very helpful. I thought I’d just ask your opinion re buying a 4x4. Given I’m not in the slightest mechanically minded, and with a budget of £10k , which would you suggest ? Many thanks and keep up the good work
Got a 51 plate Peugeot 106 as a first car, which probably brings a few memories for a couple of people out there as 106s and saxos were the go to for a new driver about 10 or 15 years ago. I got it because it is a) cheap to buy (£700) and b) cheap to run (tax is steep for what it is, but just under £1300 is the best I could find bar a rover mini - too expensive to buy for me sadly - in an area with usually quite high insurance rates - usually north of 1500 quid at this age). It’s now on just over 49k miles, so it’s hardly been used! It may only be a 59hp 1.1 that’s basically from the 80’s, but it is rather nippy, though the gearing helps that. Floor it and you’ll get to 60 under 12 seconds but your black box will tell your insurer to crucify you, if you don’t crucify yourself as it’s basically made of tin foil. It’s a fun car, it’s a cheap car and it’s a basic car. Would I recommend it? Yeah, I love it, but I feel most people would want something safer and with more mod cons. Don’t really want to get rid of it, but I am on the lookout for other cars that I can get my hands on once insurance is a bit kinder. One thing I do quite like is that ones in similar condition and mileage are around 1250 quid now, which seems mental for such a car, but I don’t mind since I’d be the one profiting :)
I got a '14 Fabia Monte Carlo as my first car and I must say it really is brilliant. It's jammed full of tech like a touchscreen sat nav and heated seats, along with nice red stitched leather steering wheel, gear knob etc. Plus 105 horsepower is more than enough to have fun with!
My first car, and the one I passed my test in, was a 1985 Renault 5 TL! It had NOTHING; even the heater didn't work. Loved it though. Young people these days don't know they're born! God I sound like my dad XD
I would dream of a Renault 5 My first car was a 1973 simca 1300 with no 2nd gear (as a gift from my mum who was offered £50 NOT to p/X it.) My first self bought car was a 1979 lada 1500 estate, bought for £995 in 1982 off a type written salesman in London 😲
I've recently bought my first car and I think it should be in this list its the VW passat estate 1.6tdi B7 I know that it's huge but it's nicer to drive than a little shitbox, more space obviously and it does a million MPG and I got it at great price in my opinion £2500 and really cheap for insurance.
Hang on.....is it even possible or plausible to get anything more than a 1.1ltr for your first insurance? I nearly spat my tea out, I am sure you just piled on some 1.6 and 1.8 in the mix. I would argue that it should be the law. Up to a 1.2L engine in year one. Up to a 1.4L in year 2. Then anything you want after that. If you get banned, you should have to start again at up to 1.2l The Aygo/C1 variant is the stand out, closely followed by the very reliable Hyundai, in my humble opinion. What I personally would treat with an extremely long shitty stick, is the fiesta, or anything with that dross 1.4 engine in the brand, the Fiesta with the 1.25 engine is a more sustainable option. The BMW with that unbelievably bad N47 engine (in both petrol and diesel), should be avoided at all cost, because if the crap engine does not get you, then the constant false reporting of crap electronics and sensors will. The horrid DS3 engine with the timing chain made of spaghetti, can be a short road to pain in the wallet. Toyota Aygo is a win win, in this category. Thanks for the video. Much love for your channel. PS: I currently drive a BMW with the new B58 engine, I have owned probably 8-10 of the N series and the wife has a new DS3 with the spaghetti petrol engine in it, so obviously we dont know shit. lol
Yeah it is. It's worth getting a quote. I've sold so many 1.8 and 2.0 as first cars and in many cases the insurance premium was cheaper for the customer because they're cars that are safer and less likely to be crashed/stolen etc
On the strength of one of your earlier videos, I bought my lad a 2013 Aygo for £2,500 which he is learning in. Brilliant little car and rides bumps better than my SEAT Mii FR-Line.
Awesome series, thank you. Fantastic you share you hard-earned knowledge with us. Looking forward to future High Peak Autos Top Tens, so many more T10 avenues to explore! For your consideration, thinking out loud regarding format, is it worth trying a Top Ten countdown style video, like the classic tunes hitparade? An idea. Thank you again Matt👍😎
Great advice Matt 😁👍 Audi A3 as a 1st car is a good shout 🙌🙌 my first car was a Morris marina 1.3 special 🥴 it was special because it had a vinyl roof , headrests and a clock 😂😂 that was back in 1988 , it would do 60 mph flat out with a cloud of blue smoke behind it , cost me £300 a year back then lol
Darran J Samuel ....... my first car was a morris ital estate in 1987 ......i loved it..........mostly had estates all my life since then as theyre so practical but have the volvo bug
@@geoffdundee I loved my marina at the time , put a stereo and big back shelf speakers in it , turned it up to see how loud it went and the drivers window fell inside the door haha! I’ve only ever owned 4 estates over the years , an old Peugeot 406 with over 200.000 on the clock , an Audi 80 and Renault Clio ( believe it or not but that was a great little estate ) & a w203 Mercedes, they where very practical, I was in a band for years so they did a great job , but I’m a bit of a Audi, BMW & Mercedes fan boy & always get something my Mrs raises her eyebrows at 😂😂😂
@@darranjsamuel3063 .....ahh yes the dreaded driver door window lol......mine was wedged up with a block of wood inside the door......ive had a w203 saloon was a cracker.........dunno what i will have next as as i approach my elder years (ha ha)- volvo have no mid sized hatch backs - ive a v40 D4 atm..respectable 190bhp and £20 year tax :))
@@geoffdundee enter Matts raffle on raffle shack for the 5 series BMW Matt saved , it’s a cracker of a car for us older car lovers 😂😂 I’ve bought two tickets lol
@@darranjsamuel3063 .....aww im realyl sorry but i couldnt possibly for a bmw as im no keen on them tbh ha ha....if it were a merc/jag or volvo id have done so.........dunno why i dislike bmw,s tbh think perhaps during the 90,s they were drug dealer cars so gave me an aversion to them which hasnt left me.
I've been out of the trade for a long time, but the one series used to age like a cheap russian watch, the 500 has a front gearbox bearing made out of chocolate and the VW 1.2 T has a shockingly poor valve seals. Hmmm the ecoboom with the cam belt dipping in the oil??? Top of my list would be a sandero. All Old renault tried and tested tech and it just works. Early MG3's are just on the knuckle, all be it with a crap engine and the pensioners car of choice, and so a low rating, the Honda Jazz! My first car was a Morris Ital 1.3. As it was the pensioer's choice I had the lowest insurance in my lifetime on it I will hear no dissing as it had bullet proof reliability (but it was suffering rom significant biodegradability)
Never never ever mislead your insurance company about where a car is kept or who is the main driver. By all means add a parent or older sibling as it does bring the premium down. But never pretend that person is the main driver. Insurance co.s have been on to that one for years.
Very reliable for us last 3 years, quite torquey, absolutely no issues as long as it's well maintained in line with the intervals. Can recommend. Only thing that's annoying is the fact due to the pandemic they've gone up in price about a £1k (in some cases.)
This is what I bought for my first car last month; a 2005 VW Polo Mark 4 1.2. It was low mileage only 43k and 1 lady owner so it was in very good condition for a 17 year old car. The only downside is the low power, with it having only 54 bhp so hillstarts are a challenge.
@@uberscuba4796 Should be good. Had a 2005 1.2. Facelifted version, 55 reg. However because the car had been poorly maintained and had some bad owners. The engine gave out due to lost compression in one of the only 3 cylinders it has. So since then, always made sure cars been serviced regularly and had the right type of owners. So a 1 owner, low milage, fully serviced is what I did for the next polo, same engine but 3 years of trouble free.
I’ve never owned a car that I didn’t care about. A cheap Aygo would be fun to just beat the ever living snot out of. Redlining the 3-cylinder going to work in the morning, etc.
A lifetime working in insurance tells me getting your car Insured in a parents name and you as a named driver is a no-no. Its an easy fraud to spot and immediately invalidates your insurance so as well as probably smashing your car up and possibly having someone else's insurer chasing you for a recovery of their outlay you will probably get a conviction for driving whilst uninsured that costs you a fine and points on your license and even more costly insurance premiums.
It also forces the parent to disown the child and claim they didn't know or they could face a conspiracy charge - a fine - and possible points. In any event their costs would then rise too because their insurers would ask themselves why should they trust someone who has been proven to be untruthful?
I know its a pain and I know its a cost but honesty will always be rewarded and as expensive as the Insurance will be its probably cheaper in the long run compared with all the potential costs I outline above and certainly less stressful.
Ok fair enough. Thats why I wanted to make a point of not recommending that without advice
@@HighPeakAutos Its just down to experience Matt - I know fraud investigators who would get to the truth in less than 5 questions - that fraud avenue is in decline
@@HighPeakAutos might want to add a disclaimer matt - no harm in a pinned comment
If you name a parent on the insurance, making sure you are down as the main driver that isn’t breaking the law. It also reduces your premium .
Insurance companies are all over this. They view this as fraud, full stop. I have seen them pull data from phones, social media and other records to prove residency and who is the actual main driver of a car. Again any modifications to cars need to be reported to an insurance company, including stickers and updated wheels. How about recommending new drivers do the advanced IAM young drivers course or one of the Rospa courses? Both useful and fully legal!
youtube adds are giving me depression and anxiety
don’t worry
2024 now, still alive?💀
real
This is why I love this channel, everything from Bentley and Aston Martins to sub £3k and all backed up with real world knowledge.
Thanks! I try
This is what top gear was like with Quinton wilson when it was first prodcast ,a working man’s program along with working man’s prices,unfortunately it’s just a game show now
@@HighPeakAutos what about a mk2 golf GTI ?
I’d also use the MOT history checker to see how those cars have been dealt with and show underlying issues like structural rust.
Excellent choices! 20 years ago (when we passed) upto 1.4 normally aspirated engine cars were the only ones we could afford to insure. We were always looking for the most powerful 1.4 engine
Matt, can't believe you missed the wide card, Renault Twingo - I believe (it was when I bought it for my son 5 years ago) the cheapest 4 cylinder car to insure in the UK. It's been a genuine rock for 5 years and have just helped him replace it with a Scirocco. We have just sold the Twingo for what I paid 5 years ago! Otherwise yet another outstanding video, thanks
My colleague at work who's only 20 years old and recently passed his test has one of those Twingos. For me personally I'm no fan at all. I hate the look of it and how small it, and the fact that you gotta pay £2000 insurance for it, but then each to their own l guess 🤷🏻♂️
Great vid as usual. Bad idea to insure in your parents name. It’s called fronting and could see a claim being rejected. My advice would be get a first car to learn in, not when you pass. That way your first 6 months or so are cheap on learner insurance then you’ll only pay high insurance for 2nd 6 months and at the end you’ll have a year’s NCD.
Fair enough
Fronting is correct, but putting a parent as a named driver is fair and also brings down premiums.
That's good advice. What about your parents including you, as a young driver, onto their insurance?
@@mattshiz You can't even front anymore its more expensive to have a parent as the primary driver and the new driver as the 2nd driver. Its actually cheaper to just put yourself as the first driver and your parent as 2nd.
I don't see how that insurance technique works. You need to go through a full years insurance to get the no claims bonus, you won't be able to have an insurance policy for 6 months, cancel and then re-apply saying you've got a years no claims.
Great video, really helpful. My daughter passed her test in a little 1.6 Clio which I bought for her to learn in. Once passed her test the insurance said nope. Couldn’t get cover. She was ok on my policy as a learner but not on her own policy with a full licence. Go figure. Also just to add to the comments about insurance, if you make any modifications to the standard specification of the vehicle technically you need to inform your insurer. I’m referring to the bit about changing your fiat 500 into an abarth replica. Changing things like wheels need to be cleared. Basically you don’t want to give insurers any excuse to leave your cover null & void when it comes to making a claim.
Hi Matt. Love the channel - For a first time driver I recommend a Honda Jazz SI in a 1.2 Petrol if you can find one. It has alloy wheels and a spoiler and totally reliable as it has a timing chain. Also has magic rear seats so you can get a mtb or two in the back etc.
Having run a used car dealership for years, and having had a contact with our local Honda dealership I have sold hundreds of Jazz's over the years and they are brilliant because apart from servicing I virtually never saw them back. The problem is convincing a youngster they need one, the kids hate them as they are associated with old people.
@@nigelheath7048hi nigel. Any other top recommendations slightly leaning towards a younger audience under 4k?
I come from an age when petrol was cheap and third party insurance was significantly cheaper than fully comp. So 2 or 3 litre Capri was the car for boys about town. Those were the days 👍
This was great, I'd actually like to see your take on the best "2nd car under 10k~... ", I think that's almost as significant a step for motorists as their 1st, that point that "okay, I've passed my test and had my first run around for a couple of years years to get the insurance down but now I want to step up to something a little more exciting without breaking the bank completely".
My son got a C30 D5 as his first car, lovely car to drive and didn’t cost the Earth for his first year with no black box. Such a shame Volvo stopped making them.
Just picked up an MX-5 RF 2 litre facelift model for my first car (I only passed at 21 so I can afford a bit more).
Family seem to think I'm nuts but it's the absolute dog's knackers.
Just got a Seat Altea XL for £2k, absolutely superb car for the money, all the bells and whistles too!
Nice one!
Love the C30 and the V40 that came after it , such a shame Volvo are doing away with a small hatchback in their range for another stupid crossover
Gotta go with the market. It's a business afterall. I'd also argue that most of the Volvo 2022 lineup is great
I agree
Don't forget the V50, although most people don't even know that it existed.
@@HighPeakAutos but this is a pointless thread as C30s are miles off being insurable for under 21s. I think even the base 1.6 is in insurance Group 10 or 11 and new drivers need to realistically be looking at Group 5 or less.
@@neilturner6749 I got some decent quotes when I was looking at C30's a couple of year's ago, about a grand or less off the top of my head. Albeit I was 19 not 17.
And if you’re absolute mong you buy a V6 Mondeo Mk3 that isn’t cheap to tax or fuel and has a zillion things that need fixing. People can be such idiots I tell you.🙄🤡
My first car was a 1979 Mini 1000, which I bought in Sept 1994 as I started learning to drive age 17. Insurance was about £350-390 for it with my mum as the main driver. The fickle world of car insurance premiums makes wonder if I could have paid a similar insurance premium for a bigger car like Ford Cortina or Capri 1.6. You could buy one of those for a few hundred pounds back then! And I wouldn't have had to put up with a cramped driving position.
Insurance for me as a 17 year old for a 2007 volvo c30 still costs £5000+ to insure a year and i cant figure out why. The car is only for sale for £2600 with no damage to it and a fairly low milage
I bought my first car in 2019, but because I'm mentally 64, it was a Jaguar X-Type with the 2.5 petrol V6 and AWD (dark blue with no chrome, looked great). 52,000 miles, £1,500 and about £1,000 to insure. There are definitely some creative ways of spending that £3K budget.
Good choice! That’s like something I’d have chosen
How did you get that insured for 1000?? I've just passed and I've always loved jags but I assumed theyre way too far out of reach for me lmao
@@damndaniel2880 To be fair, I had passed my test a few years before getting to a position to be able to buy my first car, so I had my license a few years at that time which probably lowered it. Set yourself an overall budget for cost of the car, insurance, tax etc and see what's around and get some insurance quote - you might get a quote that's the same price as the actual car, but if it's a car you really want then it might be worth half your budget.
I bought my first car, a 2013 Ford Fiesta 1.5TDCI back in November 2019 for only £3200 with only 53,000 miles. It was a cat S but the only thing that happened to it was the drivers side door and side skirt had a big dent in it and I was shown the photos of it damaged and how it was fixed. It’s still going strong now with very few issues and it’s very cheap to fix. What a bargain I ended up with.
Some times a Cat C/D/S/N are worth buying if you know the damage.. They can be bargains
Don’t say it got written off from a big dent in the door 😭 my neighbour crashed into my 2012 facelift the other week and I’m waiting for his insurers verdict… I don’t want my car written off 😂😭
To add detail is a 60k miles 1.25
@@garrytheninja5404 you might do alright with current car prices, my fiesta red edition got written off just before Christmas after an old lady pulled out on me, insurance gave me just under what I paid for it 4 years ago and I'd added 40k miles to it lol. Shame about the car though 😕
@@garrytheninja5404 You can do a cash in lieu with the insurance company. They pay you for the damage to the car (or cars value, whatever is lower), you keep the car and fix it yourself. No write off etc. I did the same with my insurance company when neighbour went into the back of me. Going through insurance, repairs were over £7k. Privately it was £400. I made over £4.5k this way 🤣
People should be very careful about “fronting” (having parent etc. as main driver on policy) or having a different insured address.
Same with modifications that are not disclosed. Another excuse for insurance companies not to pay out.
Yes good point. I did caveat my notes suggesting that they should get legal advice
I totally agree with the Suzuki Swift. There's something about bike manufacturers who also do cars (or vice versa). The engines are really good and they are very reliable. Little known fact: Yamaha has designed engines for car manufacturers. The Swift is also a bit quirky but that doesn't make it impractical or an object of ridicule.
The 100bhp 1.6 in Fords and the Volvo in this video was partly designed by Yamaha, its a great engine. They also helped with the 190bhp Toyota engine in some Celica and Corolla models.
Swifts are good, but as my 22 year old daughter found out to her cost, they are expensive to insure also the 1.5 petrol has pretty poor fuel economy, she sold it after 6 weeks and bought a BMW 1 series 116D sport which was cheaper to insure and superb fuel economy, parts are cheaper than Suzuki
The 1.3 has no air con and the 1.5 is too expensive for anyone under 23 to insure on any practical basis
@@neilturner6749 the 1.5 is not even fast, its actually got pretty dismal performance
@@brucefraser4778 I very much doubt parts for a diesel bwm are cheaper than a suzuki.
I wasn't expecting to see the Volvo on there they're usually very pricey cars but a very good brand 😁
My first car was a 2009 Ford Focus 1.6 Titanium hatchback - nice to drive, lots of equipment and a very practical car, all for £1800. Even though it had 115k on the clock, I never had any mechanical issues and those 1.6 Zetec engines are supposed to be pretty bulletproof. Same one as in the C30.
Cant go wrong. Titaniums are a great spec
Yep Old Ford duratecs are brilliant engines
Bought my first car, a Citroën C1 recently. Mainly due to how cheap it is to run (like consistent 60mpg) and how little the insurance is. Plus it's a breeze to park! I know it's nothing special at all but it's reliable and it's mine and that's all that maters right now.
They’re great little cars
What I learnt from this video, I can do far worse
Great selection of cars. I’d avoid the BMW 1 series - it had an awkward driving position (clutch was set too far to the right) and it had no cup holders!
U serious? How did they manage to ship a modern car with no cup holders??
And the only decent ones have a 6 pot engine but not a good one to try and insure for a first car
I have a 120d which has cup holder might be an option👍
The 1 series has one of the best driving positions and pedal positions of any car! I’ve driven loads of cars and for some reason the 1 series is one of my favourites. I still wouldn’t recommend one, because of other reasons. The steering is way to heavy, especially if you don’t like a sporty drive. The suspension is way too stiff and it drinksssss fuel. If you do want a 1 series go for a diesel pre lci. Better economy better engine
I considered a Ford Fiesta but ended up going for a 08 Mazda 2 TS2. Same platform, but lighter so drives better, more standard equipment, and no cambelt to worry about. Picked it up for £2000 and never had to spend anything on it for 3 years other than the regular mot and service, and a blast to drive down B-roads
Best first car by miles is a Ford Fiesta. 2010 or later model. Drives the best, reliable and cheap parts and looks great.
You are a daring soul recommending good addresses - the bulk of all insurance will be registered to Surrey on the Thames 😊
So if your 18 do as follows.
Name :. Reverend John Smith
Address.. the old vicarage Stowe on the wold.
Other named drivers: my auntie, sister Smith of the immaculate conception sisterhood , Stowe on the wold's nunnery,
And my uncle ,the archbishop of Westminster 👍
Type of car being insured: 2013 ford fiesta ST
declared mods: stage 3 engine, lowering springs, focus RS brake upgrade, full roll cage, £7'000 ICE with playstation 5 and headrest monitors.rapped in chrome green. 😀
Hahahaha yes!
Brilliant 😂👍
Wow if only I had that much dollah to spend on a first car! Times have changed. Remember in college everyone had a shed of some sort, be it a nova, clio or corsa. These days you see young adults in basically what you've listed.
First car (still have it) is a classic mini, 800quid. Learnt how to repair it, rebuild etc etc but was lucky to have parents double garage with wide range of tools. Can't fault an older car to learn in, really appreciate road conditions then. Ended up requiring a second car due to classic car issues, this was an 88 corolla shed I picked up for 100quid. Spent time cleaning it up and drove it for a while. Sold that for bit of a profit then got myself a top of line 88 mazda 323. Again a bit of a shed but mechanically sound, had that for till I was 23 - unfortunately the little ends went so went to scrap. Was only then I picked up a sw20 20th anniversary mr2, 900quid. After that had 3l z4 then lexus ct200 - all of which sold for same or a little more money.
What I'm trying to say is, be patient learn how to drive - get your experience up and make mistakes in something you don't care about. There's alot of enjoyment in driving a car you don't mind damaging, plus you can actually afford to fix without taking hand outs or loans.
The ProCeed also came with a CRDI 2.0 which was a cambelt driven engine. A bit agricultural, but decent enough.
Sharp, fast and 2 the point - GR8 Job👌🏼
The young drivers telematic insurance firm I used to work for used a series of risk assessment questions to determine if you were suitable. Any changes to a car from standard including go faster stickers (like the Abarth) or wraps would be classed as mods & would disqualify you. As other people have commented start with the smallest engined standard car you can & earn your NCD before moving to anything bigger engined.
Then there’s me who got a 2016 Alfa Romeo Giulietta 2.0 diesel for a first car that needed a new clutch and 4 tyres within 3 months, worth every penny though such a blast to drive 😂
I'd actually recommend the diesel in a Fiesta. My dad had a diesel Ford Fusion, basically a Fiesta on stilts, and he abused the hell out of if (he's not a good driver). He once pulled off from the lights in 4th gear, and it didn't really give a sh*t. If you want nigh unkillable, go for the diesel, you won't regret it.
My first car was a Mini 1275GT I'll leave that there, anyway I've had two golf MK4 1.9SE diesels one after the other both run up with high mileages. These golfs were cheap to run and bullet proof. Not sure how the insurance is for youngsters but its a great car all round including bits you can change without needing to 'programme' them. Fist cars don't always have to be newish.
Yeah, the Polo, as listed here, has all the attributes of the Golf but it's cheaper. Which is the point of this video.
You were blimmin lucky to insure a 1275GT.
I had a 1.6 Capri lazer as a first car in 1995 I was 21 and a named driver on my mum’s insurance,policy was about £500 a lot of money back then had good times in that car
@@dazspurs9899hahahah I’ve got a 2.0 laser now as my second car hahahaha. I’m 21 and the insurance isn’t great🤣
For my sons we always looked at insurance group first, not sure what the costs difference is though for a Grp5 vs Grp15. On both occasions we went for 5 doors because side panels are smaller and therefore cheaper….and you mates can always get out quick if your turn it over 😳
Haha good point! I think most insurance companies make it up as they go along so its worth getting a quote on anything and everything
Insurance group doesn't necessarily make that big a difference, it's all down to the overall risk profile. A group 1 car that gets crashed a lot might end up costing more than a group 20 car that stays rubber side down.
Insurance group isn’t a good indicator anymore. My first car is group 13, yet was cheaper to insure than many group 1,2 and 3 cars.
@@HighPeakAutos They definately do. A few years ago, whilst sorting out my renewal I rang up my insurance company twice on the same day and got 2 differet prices for the exact same cover.
And avoid any model with GT, RS or Sport etc in the name - it's like a red flag to a bull for an insurance company. If you are young and you buy a car like that they'll just assume you're going to have an epic shunt and write it off.
Hi Matt.
Do you rate the Honda Jazz? I bought one as a car to take the dogs out in and I absolutely love it. Super reliable, super practical and cheap as chips to run. OK, they are bought by pensioners but who cares? You never mention them and I am always surprised....
I love how the rear seats fold up
@@HighPeakAutos They are brilliant! Exactly why I bought one, I fold the seats up and the dogs jump right in. They also fold down flat the other way so you can fit a few fence panels in. And I can park it in a hedge because it only cost a grand. Anyway, loving your videos, I also have a long history with Lexus (including my current LS460) so always interested when you drop some Lexus content.
Insurance is weird, if you pick common cars it scuppers you, if you pick rare it scuppers you. Either way, honesty is the best policy. My clio 1.2 first car was £1200 fully comp, my fiesta ZS after was the same. Civic Type r was £800 at 21 fully comp.
My current car is by far the rarest, fastest and most powerful I've had yet £420
Well done pics to show which cars you are talking about A**** Top of the class.. Last word need to get a better table that things wabbling all over ?? Made me nervouse
whilst watching knowing how much that lap top cost !! Sorry I meant the mug !!
I bought a '14 plate DS3, more than 3k, but still I think it is a very good car for a Citroen :) Im happy so far.
Are you sponsored by Suzuki to promote the swift? 😂
I got a 1.4 mk 6 fiesta face lift for £400 78k on the clock and nothing wrong with it mechanically sound, it was a low spec but new stereo couple of new speakers and got the fog lights off a higher spec one for free and off you go, it dose need a new driver side wing about £30 part even colour match and just like it it looks and drives great, I got it for a mate and when he gets a new car we’ll be selling that for about £800, property take £700 haha
The one you showed was a ceed, the proceed is a tourer
Pretty sure the only Citroen that's fun to drive is their WRC car. THey have bl**dy awful gearboxes.
Had a 2004 Fiat Punto as my first car for 3 years now, the car plus insurance came to less than £2k! It's a brilliant practical choice, nice to drive and easy to work on, but not the most reliable. I'm looking for my second car now and thinking either a Nissan Micra, Honda Jazz, Peugeot 208 or Ford Fiesta as I want something reliable, comfortable and not too big or expensive to insure (even with nearly 3 years no-claims I'm getting quotes over £1200 on some cars I would like)
where would be the best place to check for insurance? even on these cars with compare the market its coming to £3k+ annually or is this normal?
Surprised you did not mention the vw up and it’s seat and Skoda family.
I haven’t found them to be very reliable
Yes it is unlawful if you claim the car is at another address to the one where it is mainly parked
Needed this when I passed 4 years ago today!
Congrats!
As a young 107 driver, keep it for 2-3 years and build your no claims and some savings up, after that you'll be able to afford something decent like a 500 abarth,keep away from black boxes if at all possible as they will be super sensitive to any harsh driving
Brilliant. Maybe then, if my son wants to drive, he can have my Seat Ibiza 1.4 Toca
Well these comments opened a can of worms
Dash cams are a great way for picking up on insurance fraud,and capturing who is at fault for most types of accidents ,yet insurance companies don’t offer you a discount for having one in your car
Great video. I’ve sent it to my car-obsessed 16 year old, who is counting down the days until his lessons start, and told him it’s worth taking 10 mins away from F1 sim racing to listen to a guy I trust talk about first cars. He’ll like that you’ve got the Swift on there, but whether he’ll manage to get a Swift Sport, for his (insurance) budget, only time will tell!
PS You’re right, that table is too high! Better in the SUVs vid. 😀
Many thanks for that.. Great advice from someone with the knowledge.
Thanks for watching
Its baffling how everyone in the comments section is clapping along like sea lions in a circus when this is all lies. Not one of these cars can be found for Under £3,000
Where are you looking?
@@HighPeakAutos Places like Auto Trader and also Travelling past local dealers.
I’m 17 and much to my delight one the cars on the list is what I have, it’s a Volvo C30 r Design sport 2.0d 👌amazing car would defo recommend to others the 1.6 hid engine because it way less thirsty on the go go juice ( but obviously not as fast by a fair bit 🤣, I’ve drove a 1.6, it was pretty flat compared to the 2.0 turbo
I own an A3 Sportsback 2.0TDI quattro. And I absolutely love my car. Very tough, nice looking, nice to drive and somewhat economical (35-40mpg). The AWD system is awesome. The Haldex clutch does miracles.
Are you a first time driver? How expensive is the insurance?
My first car was a 2002 Alfa Romeo 156 berlina in Grigio Sterling with red leather interior. It was one of those in-between cars that had the pre-facelift exterior and new dash inside. It had lots of kms but I loved it to bits, spent a small fortune fixing it and regret nothing (apart from having sold it for little more than scrap value).
Can we assume you were either over 25 when you bought your first car or else weren’t legally insured on it though? Bearing in mind that 1.2 Polo costs around £1500 pa for an 18yr old new Male driver and a 1.4 Polo over £2000 pa, how much does a 1.8 Alfa cost?
@@neilturner6749 I was indeed over 25, but also in Romania; road tax + insurance was probably about £150 😀
Doing an Abarth replica would leave you with Abarth premiums for 1.2 performance, may as well drive the 1.2 and save for an Abarth when the premiums start to drop
It's a shame that you don't tell us what plate to get of those cars.
Great stuff Matt 👌👌
Thanks
love this video! I have an A1 as a first car s line black and I insured with Adrian Flux. By far the best company to go with- avoid comparison sites at all cost they're bulshit in my opinion. I have a no curfews black box- seems to be the best
Well done
@@HighPeakAutos what was your first car
Insurance companies are criminals. If you can get cheaper by changing a bit of information then do it. I did it by naming my ex as a second driver. Saved me £200 a year for at least four years. 🤣🤣🖕🤣
Hahaha well done. I hate insurance too
Max 1.2 litre
Otherwise very expensive to insure.
Great video - any chance of an update?
Or perhaps Top 10 Best 2nd cars under £3k/4k
Hi matt love ur channel and really appreciate what u re doing,,,
I just passed my driving test i am looking to buy for my firt car ever ,,, zero experience
Since i dont know anything about car i would really appreciate if you can share with me ur recommendation which car i should buy ,,, cheap and reliable since i am also not doing good financially
Thanks
Great list. Mazda 2 1.3 or 1.5 petrol are great cars also.
Hi Matthew love watching the videos concise and very helpful. I thought I’d just ask your opinion re buying a 4x4. Given I’m not in the slightest mechanically minded, and with a budget of £10k , which would you suggest ? Many thanks and keep up the good work
Any Toyota or Lexus 4x4 will serve you well
Got a 51 plate Peugeot 106 as a first car, which probably brings a few memories for a couple of people out there as 106s and saxos were the go to for a new driver about 10 or 15 years ago. I got it because it is a) cheap to buy (£700) and b) cheap to run (tax is steep for what it is, but just under £1300 is the best I could find bar a rover mini - too expensive to buy for me sadly - in an area with usually quite high insurance rates - usually north of 1500 quid at this age). It’s now on just over 49k miles, so it’s hardly been used! It may only be a 59hp 1.1 that’s basically from the 80’s, but it is rather nippy, though the gearing helps that. Floor it and you’ll get to 60 under 12 seconds but your black box will tell your insurer to crucify you, if you don’t crucify yourself as it’s basically made of tin foil. It’s a fun car, it’s a cheap car and it’s a basic car. Would I recommend it? Yeah, I love it, but I feel most people would want something safer and with more mod cons. Don’t really want to get rid of it, but I am on the lookout for other cars that I can get my hands on once insurance is a bit kinder. One thing I do quite like is that ones in similar condition and mileage are around 1250 quid now, which seems mental for such a car, but I don’t mind since I’d be the one profiting :)
not a single toyota or honda? you know nothing about cars m8, you should have recomended a toyota yaris
Utmost good faith is the basis of any insurance contract. So you need to be transparent on all information provided.
fair enough. I just have a dislike of insurance companies
@@HighPeakAutos Love the channel! You and Jayemm provide such great honest reviews. Great stuff.
@@davidsamms1591 thanks for watching
On the Fiat 500-> Abarth. Please note that certain stickers, mainly sporty ones, can actually effect your insurance for what ever reason.
Your advise re the address and the older driver will null and void the policy in the event of a claim.
Just watch aygo/c1 etc they do rust on the cills - just where you can’t see it.
Perhaps a bespoke stool to stand on as well then…!! DS3’s are great cars, had 3 of them all have very decent spec👍
I got a '14 Fabia Monte Carlo as my first car and I must say it really is brilliant. It's jammed full of tech like a touchscreen sat nav and heated seats, along with nice red stitched leather steering wheel, gear knob etc. Plus 105 horsepower is more than enough to have fun with!
I got a 200hp cooper s as my first car I’m not sure how I did it
My first car, and the one I passed my test in, was a 1985 Renault 5 TL! It had NOTHING; even the heater didn't work. Loved it though.
Young people these days don't know they're born!
God I sound like my dad XD
Like the one Ali G drove?
I would dream of a Renault 5
My first car was a 1973 simca 1300 with no 2nd gear (as a gift from my mum who was offered £50 NOT to p/X it.)
My first self bought car was a 1979 lada 1500 estate, bought for £995 in 1982 off a type written salesman in London 😲
@@HighPeakAutos Haha! Fortunately not XD
Love your work 👍
I've recently bought my first car and I think it should be in this list its the VW passat estate 1.6tdi B7 I know that it's huge but it's nicer to drive than a little shitbox, more space obviously and it does a million MPG and I got it at great price in my opinion £2500 and really cheap for insurance.
Which year did you go for and how many miles did it have?
Hang on.....is it even possible or plausible to get anything more than a 1.1ltr for your first insurance?
I nearly spat my tea out, I am sure you just piled on some 1.6 and 1.8 in the mix.
I would argue that it should be the law.
Up to a 1.2L engine in year one. Up to a 1.4L in year 2.
Then anything you want after that.
If you get banned, you should have to start again at up to 1.2l
The Aygo/C1 variant is the stand out, closely followed by the very reliable Hyundai, in my humble opinion.
What I personally would treat with an extremely long shitty stick, is the fiesta, or anything with that dross 1.4 engine in the brand, the Fiesta with the 1.25 engine is a more sustainable option.
The BMW with that unbelievably bad N47 engine (in both petrol and diesel), should be avoided at all cost, because if the crap engine does not get you, then the constant false reporting of crap electronics and sensors will.
The horrid DS3 engine with the timing chain made of spaghetti, can be a short road to pain in the wallet.
Toyota Aygo is a win win, in this category.
Thanks for the video. Much love for your channel.
PS: I currently drive a BMW with the new B58 engine, I have owned probably 8-10 of the N series and the wife has a new DS3 with the spaghetti petrol engine in it, so obviously we dont know shit. lol
Yeah it is. It's worth getting a quote. I've sold so many 1.8 and 2.0 as first cars and in many cases the insurance premium was cheaper for the customer because they're cars that are safer and less likely to be crashed/stolen etc
On the strength of one of your earlier videos, I bought my lad a 2013 Aygo for £2,500 which he is learning in. Brilliant little car and rides bumps better than my SEAT Mii FR-Line.
Nice one
Check/adjust the clutch cable & it will last longer
Great choice
Might be outside the £3k limit but Hyundai i10 and i20s are great. We've had both for years with very few problems.
Fiddling the insurance is not a good idea. If/when they find out you'll likely not get your claim paid.
Great video. Wish it was around when I was 17 haha!
Awesome series, thank you. Fantastic you share you hard-earned knowledge with us. Looking forward to future High Peak Autos Top Tens, so many more T10 avenues to explore!
For your consideration, thinking out loud regarding format, is it worth trying a Top Ten countdown style video, like the classic tunes hitparade? An idea. Thank you again Matt👍😎
Great advice Matt 😁👍 Audi A3 as a 1st car is a good shout 🙌🙌 my first car was a Morris marina 1.3 special 🥴 it was special because it had a vinyl roof , headrests and a clock 😂😂 that was back in 1988 , it would do 60 mph flat out with a cloud of blue smoke behind it , cost me £300 a year back then lol
Darran J Samuel ....... my first car was a morris ital estate in 1987 ......i loved it..........mostly had estates all my life since then as theyre so practical but have the volvo bug
@@geoffdundee I loved my marina at the time , put a stereo and big back shelf speakers in it , turned it up to see how loud it went and the drivers window fell inside the door haha! I’ve only ever owned 4 estates over the years , an old Peugeot 406 with over 200.000 on the clock , an Audi 80 and Renault Clio ( believe it or not but that was a great little estate ) & a w203 Mercedes, they where very practical, I was in a band for years so they did a great job , but I’m a bit of a Audi, BMW & Mercedes fan boy & always get something my Mrs raises her eyebrows at 😂😂😂
@@darranjsamuel3063 .....ahh yes the dreaded driver door window lol......mine was wedged up with a block of wood inside the door......ive had a w203 saloon was a cracker.........dunno what i will have next as as i approach my elder years (ha ha)- volvo have no mid sized hatch backs - ive a v40 D4 atm..respectable 190bhp and £20 year tax :))
@@geoffdundee enter Matts raffle on raffle shack for the 5 series BMW Matt saved , it’s a cracker of a car for us older car lovers 😂😂 I’ve bought two tickets lol
@@darranjsamuel3063 .....aww im realyl sorry but i couldnt possibly for a bmw as im no keen on them tbh ha ha....if it were a merc/jag or volvo id have done so.........dunno why i dislike bmw,s tbh think perhaps during the 90,s they were drug dealer cars so gave me an aversion to them which hasnt left me.
I've been out of the trade for a long time, but the one series used to age like a cheap russian watch, the 500 has a front gearbox bearing made out of chocolate and the VW 1.2 T has a shockingly poor valve seals. Hmmm the ecoboom with the cam belt dipping in the oil???
Top of my list would be a sandero. All Old renault tried and tested tech and it just works. Early MG3's are just on the knuckle, all be it with a crap engine and the pensioners car of choice, and so a low rating, the Honda Jazz!
My first car was a Morris Ital 1.3. As it was the pensioer's choice I had the lowest insurance in my lifetime on it
I will hear no dissing as it had bullet proof reliability (but it was suffering rom significant biodegradability)
Never never ever mislead your insurance company about where a car is kept or who is the main driver. By all means add a parent or older sibling as it does bring the premium down. But never pretend that person is the main driver. Insurance co.s have been on to that one for years.
What about a volvo t5? They cost around 2500, thry have enough hp and a solid 5 cylinder
For my first car, I’m hoping for a Volkswagen Polo 1.2, which is in insurance group 5, even if it takes 16 seconds to get from 0-62.
Very reliable for us last 3 years, quite torquey, absolutely no issues as long as it's well maintained in line with the intervals. Can recommend. Only thing that's annoying is the fact due to the pandemic they've gone up in price about a £1k (in some cases.)
This is what I bought for my first car last month; a 2005 VW Polo Mark 4 1.2. It was low mileage only 43k and 1 lady owner so it was in very good condition for a 17 year old car. The only downside is the low power, with it having only 54 bhp so hillstarts are a challenge.
@@uberscuba4796 Should be good. Had a 2005 1.2. Facelifted version, 55 reg. However because the car had been poorly maintained and had some bad owners. The engine gave out due to lost compression in one of the only 3 cylinders it has. So since then, always made sure cars been serviced regularly and had the right type of owners. So a 1 owner, low milage, fully serviced is what I did for the next polo, same engine but 3 years of trouble free.
Where is corolla? Where is suzuki? Where is Nissan Micra?
Answer all Insurance proposal form questions honestly.....!
Loving the constant uploads recently mate
Thanks!
Got to pay for his new Merc 😂
I’ve never owned a car that I didn’t care about. A cheap Aygo would be fun to just beat the ever living snot out of. Redlining the 3-cylinder going to work in the morning, etc.
The 1.6 bmw is the worst engine ever. Bad advice.
I'd skip on the insurance advice but the cars are good first cars.
Yeah fair enough
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