View Full Version : Smeggons has turned to the dark side.
Seggons
26-07-09, 10:42 AM
After 3 years of constantly saying I'm never ever going to get a car I finally caved in yesterday and brought one. :(
The reason for it was last years winter scared the be Jesus out of me. Going out at 7am and crawling my way to work at 30 mph not knowing if the bit of road 2 foot in front was tarmac or black ice isn't my idea of fun.
So I present to you Milly Metro.
http://img.photobucket.com/albums/v625/Seggons/Car/DSC00385.jpg
http://img.photobucket.com/albums/v625/Seggons/Car/DSC00387.jpg
Now don't all laugh at once, I will agree that it's not the best looking motor out there and yes it is a bit of a squeeze for me inside. The body work condition is dam good with no scratches, dents or cracks. The only dodgy bit is a slight bit of rusting on one of the rear wheel arches.
Inside everything is spotless with no marks or tears to any of the seats. It's even got the original Metro radio with it and I'll be able to boogie to that once I figure out how to decode it without the code. It's even got an alarm, immobiliser and remote central locking.
The most amazing thing about it is this...
http://img.photobucket.com/albums/v625/Seggons/Car/STA72615.jpg
http://img.photobucket.com/albums/v625/Seggons/Car/STA72618.jpg
Compare the dates and the mileage between the 2 certificates. It's done 13 miles in 7 years. The engine runs as quite as a mouse, it's had a new middle box exhaust put in and all the tyres still have plenty of tread on them.
The car cost me a whopping £375, insurence was £681.50 TPFT and tax will be £120 for 12 months. Just got to wait till the start of next month before I can tax it and pick it up.
Before anyone gets the wrong idea no I'm not selling the bike, it was proving too costly to use it as a commuter, shopper and pleasure toy. So hopefully having the car will save me money in the long term.
Happy Days! :D
madness
26-07-09, 10:48 AM
Welcome to the world of winter comfort!
appollo1
26-07-09, 10:50 AM
£681 TPFT!!! OMG that is ridiculous.
As long as you are happy and can get around comfortably.
speedplay
26-07-09, 10:50 AM
wont be worth fitting the cam to that mate ;)
Nice one Scott, looking to get a car soon myself. My best quote has been 1100 tpft so far, but on a comparison site. Any tips to get the price down? I've got my dad on quotes which takes off a good few hundred quid.
£681 TPFT!!! OMG that is ridiculous.
As long as you are happy and can get around comfortably.
On the contrary, it's good for an under 20 male :(
yup, my nephew is 18 and has a Fiesta - that was £1000 TPFT.
Wish I could drive a car to work, I'd certainly use it when the cats and dogs are falling and it's a brass monkeys January at 5am :)
On the contrary, it's good for an under 20 male :(
Not really. My Rover 216 (112bhp!!!;)) only costs me £600ish fully comp at age 19!
EDIT: and nice car Seggons! Rover POWER!
Not really. My Rover 216 (112bhp!!!;)) only costs me £600ish fully comp at age 19!
With how much no claims?
:( :( I'll have to phone insurers and boss them
into giving me agood price :p
With how much no claims?
:( :( I'll have to phone insurers and boss them
into giving me agood price :p
It was with 1yrs no claims when that year's policy started! For some strange reason the Rovers are dirt cheap insurance. To insure a 1.1 fiesta it was more than double (£1300).
Again Seggons, Rover POWER! ;)
Graciepants
26-07-09, 11:25 AM
as much as i love my bike - and i really really do - sometimes its wonderful just to get up, shower, pick up keys and work bag, and leave. no planning to time for getting leathers on and off. no getting wet, and less boring journeys as you can have the radio on and no one can here you sing along! i know you cant filter, but sometimes when its torrential rain or its just one of those days or (like me) you need a reverse gear - its so worth it :D
no comment on choice of car however :P
It was with 1yrs no claims when that year's policy started! For some strange reason the Rovers are dirt cheap insurance. To insure a 1.1 fiesta it was more than double (£1300).
Again Seggons, Rover POWER! ;)
1 years experience and a years no claims discount can half a policy
Seggons
26-07-09, 11:54 AM
£681 TPFT!!! OMG that is ridiculous.
As long as you are happy and can get around comfortably.
For a person of my age (and the power of the car ;) ) that's pretty cheap considering I'm classed as high risk as is everyone under the age of 25. :D
wont be worth fitting the cam to that mate ;)
Well I don't know, I have plans of trackdaying it at some point. :D
Nice one Scott, looking to get a car soon myself. My best quote has been 1100 tpft so far, but on a comparison site. Any tips to get the price down? I've got my dad on quotes which takes off a good few hundred quid.
Consider your annual mileage, it knocked £18 off when going from 10K to 7K a year. Choice of car is critical because even though it maybe a 1.0L engine doesn't mean it will be cheap. For example I could put a Skoda Felicia 1.9D for the same price as the car I brought. Finally phone them up and when they say they cannot get it down any more they normally can. After all why would they want to sell you insurance for £500 when they can do it for £600. :D
Again Seggons, Rover POWER! ;)
Amen to that. Also the power of 4 gears. :D
no comment on choice of car however :P
There's was me going to use it as a pulling magnet. Mind you if posh people with Beemers have small willys, what does my car say about me ay? :lol:
I'm after an Astra as it's a big enough car with a decent engine, but really low insurance group. Only 18 quid off for reducing mileage? Not worth it really, I'll be doing at least 10k I reckon.
Graciepants
26-07-09, 12:22 PM
Only 18 quid off for reducing mileage? Not worth it really, I'll be doing at least 10k I reckon.
but if you're dirt broke like me, £18 is over one tank of petrol for my bike, so it really is worth it if you dont really have to money to spend. then again i cant relaly talk as my last car was a 2.0l petrol golf gti and cost a fortune to insure! lol
Yes, fair enough, but I don't feel like lying about the mileage I'd do for the sake of £18 difference.
Graciepants
26-07-09, 12:26 PM
Yes, fair enough, but I don't feel like lying about the mileage I'd do for the sake of £18 difference.
i dont think he lied - i tihnk he just thought about it - its so much easier just to round it off to 10k when you know its somewhere near there (>5k) and not actually work it out!
Whatever the case is, I've worked out I'd do 12k a year, so I'll just have to see what the quotes say as I can't get round that aspect of it.
Specialone
26-07-09, 12:40 PM
I dont know how young-uns afford insurance these days, its extortinate.:(
When i first passed my test in 89' it was the height of the car theft era in my city so premiums were inflated even then, i paid about £300 tpft for a mini back then and considering wages were less than £80 a week it seemed very high.
But now its got ridiculous, some kids paying £2k for a car worth £2k, madness.
Phil
Seggons
26-07-09, 12:42 PM
It's strange that I'm with Express Insurance for both car and bike. On the bike I said 10k and the bloke on the other end of the phone said anything over 8k is classed as unlimited. Yet with a car they need to know your annual mileage.
£681 TPFT!!! OMG that is ridiculous.
As long as you are happy and can get around comfortably.
Thats very good actually.
My chavvy 1.4sri Corsa, is a 01' model, is worth around 3K, done 50K miles, and my insurance is £1400 TPFT.
It works out roughly £1 per cc for the average young male in a average young persons car.
Since I had a little mishap in it, resulting in a claim against me, my renewal is going to be, a very reasonable, £2000 :|
Guess I will be keeping the bike and flogging the car :)
Nick_69
26-07-09, 03:14 PM
My Car insurance is not much only £540 on Fully comp, but i have been driving 4 yrs so it helps
Seggons
26-07-09, 04:01 PM
The really strange thing is the difference for me between fully comp and TPFT was only about £50. The really big turn off was the compulsory excess was £350 which I really didn't want where as it was £100 TPFT.
joshmac
26-07-09, 04:45 PM
Nice one Scott, looking to get a car soon myself. My best quote has been 1100 tpft so far, but on a comparison site. Any tips to get the price down? I've got my dad on quotes which takes off a good few hundred quid.
Try using CIS (Co-operative Insurance). Make your dad the main driver and you as a named one (you'll still get your own NCB build up. My first car was a fiat punto 1.2L and I paid ~600 FC. Now I'm insured on my brother's 1.6L ford focus and with the four of us (I'm 18 now and my brother's 21) all insured on it we're paying about £800 FC. Get a quote online and then phone them and tell them to lower the price.
I found those comparison sites rubbish when looking for car insurance
That takes it down another 400 quid, but it'd be fraud in my case, as the only reason dad is on the quote is to reduce the price :p Still, if they can do it 400 quid less straight away, I sure as hell will get the price down to that with me as main driver.
Scott, did you get it at Wyboston by any chance?
joshmac
26-07-09, 05:28 PM
That takes it down another 400 quid, but it'd be fraud in my case, as the only reason dad is on the quote is to reduce the price :p Still, if they can do it 400 quid less straight away, I sure as hell will get the price down to that with me as main driver.
Scott, did you get it at Wyboston by any chance?
Well it's your call obviously. I can't think of any way they could prove that you were driving it all the time. They'd need solid evidence to take you to court for fraud, speculation wouldn't be enough. I don't know you or what £400 means, but personally I'd take the saving and be a named driver :mrgreen:
How much is it with CIS with you as the main driver and your dad as a named one?
Seggons
26-07-09, 05:28 PM
Nope Great Barford.
Please don't tell me there's a cheap car there. Me, my dad and brother have been looking for ages and couldn't find anything. Now it seems we are not looking for one they seem to be popping up from everywhere now. :lol:
Mike2165
26-07-09, 05:34 PM
Scott, if you find another one, you'll have a pair of roller skates ;). So does this mean you're giving the bike up? :( . Insurance is expensive for your age group mate, Jane's son has a metro (get together and use them on alternate days lol) and its the same.
-Ralph-
26-07-09, 05:41 PM
The body work condition is dam good with no scratches
Whats that next to the left headlight?
Seggons
26-07-09, 05:50 PM
Scott, if you find another one, you'll have a pair of roller skates ;). So does this mean you're giving the bike up? :( . Insurance is expensive for your age group mate, Jane's son has a metro (get together and use them on alternate days lol) and its the same.
It feels like a roller skate when I'm in it. There's not a chance I'll give my bike up. I've done 23,000 miles on my bike in a year and a half. It's now getting to the point where not only is it being serviced every other month but things are starting to wear and corrode. So each service needs an extra £20 here for that part and £30 there for another.
At least with a car I can get the bodywork sorted and get the upgrades I've always wanted to do done on it.
Whats that next to the left headlight?
I like a man with a keen eye for detail. ;) The indicator lens cap is missing. :)
-Ralph-
26-07-09, 05:59 PM
I like a man with a keen eye for detail. ;) The indicator lens cap is missing. :)
What about the other side of the headlight, on the bonnet.
petevtwin650
26-07-09, 07:13 PM
So I present to you Milly Metro.
But Milly is an Aprilia, I'd have thought you would have named it Daisy Duke:D
Mind you, Metros are unreliable enough without making it think it's a Duke too.
Good luck with your purchase. Got to be better than winter commuting on the SV.
Seggons
26-07-09, 07:22 PM
That's a mark that hopefully polish or a bit of T-cut will get out. After I've finished with it I expect there to be a fair few marks and scratches. :D
great.. nice warm, dry comfort for the winter... just don't try and filter in it... lol
Seggons
26-07-09, 07:25 PM
But Milly is an Aprilia,
I was actually looking at Aprilia's when the name come to mind. :D
I'd have thought you would have named it Daisy Duke:D
Mind you, Metros are unreliable enough without making it think it's a Duke too.
You took the words right out of my mouth. ;)
I think I saw that one advertised, but decided I couldn't see
myself driving one :p I want something a bit bigger for going to and from liverpool in.
Good luck with it, just the job for the winter commute :)
lukemillar
27-07-09, 06:06 AM
no comment on choice of car however :P
That's what I was thinking. Not so much dark-side, more light grey! :p
(My first car was a Metro :oops:)
plowsie
27-07-09, 09:35 AM
Ahh glad to see you've got yaself some wheels Smeggso. Looks good to me.
God, I can't wait till next week, reaping the benefits of cheap insurance at 21 :D
welcome to the world of staying dry and warm on the way to work
nice little motor that, did you buy it off you nan?
madnlooney
27-07-09, 10:54 AM
i think anything over 15k miles on cars is also classed as unlimited
Seggons
27-07-09, 04:30 PM
nice little motor that, did you buy it off you nan?
hehe not quite but I think it was someones nan's at some point in it's life. :D
There's was me going to use it as a pulling magnet. Mind you if posh people with Beemers have small willys, what does my car say about me ay? :lol:
That you have a small willy and no money
But now its got ridiculous, some kids paying £2k for a car worth £2k, madness.
Phil
My nephew pays 2 grand for TP only insurance on a T plate Fiesta 1.25 Zetec that I sold him for 500 quid. I was paying under 200 quid fully comp
That's what I was thinking. Not so much dark-side, more light grey! :p
(My first car was a Metro :oops:)
I thought Metros were on the beige side
Wideboy
27-07-09, 08:54 PM
my mates first car was a metro, we thought we where the dogs bollox's untill i got the mighty 106 :cool:
:lol:
just dont go sticking a bean tin and sun strip on it or you will be disowned
Seggons
27-07-09, 09:48 PM
That you have a small willy and no money
One of the above is correct. :lol:
just dont go sticking a bean tin and sun strip on it or you will be disowned
I've got some big plans for it. I'm going to put in a amplificator and some wooofers and maybe some 6 by 9 thingys before I start work on the outside. :lol: ;)
Wideboy
27-07-09, 09:58 PM
hydraulics man!! that's where its at!!!
Seggons
27-07-09, 10:06 PM
Pfft hydraulics, my car has gas suspension as standard. :D
lukemillar
28-07-09, 05:33 AM
I thought Metros were on the beige side
My Metro was beige :cool: It's like Ferrari being red
Graciepants
28-07-09, 09:07 AM
I've got some big plans for it. I'm going to put in a amplificator and some wooofers and maybe some 6 by 9 thingys before I start work on the outside. :lol: ;)
i did that to my first car.....it was awesome :D
Thread title made me think you'd got an IL4. :eek:
Nice little babe magnet you've got there Smeggo.
Can't help but think of this though. Go to 5.58 - 7.28.
http://www.youtube.com/watch?v=nb9hV475Y00
:D
Rovers are cheap to insure because you associate them with old people and who wants to nick them? :D I just paid 1200 quid to reinsure my 2001 1.6 astra tpft 1 years ncb 18 and 10 months full licence.
Nice little car you got there tho,
hindle8907
28-07-09, 12:28 PM
Rovers are cheap to insure because you associate them with old people and who wants to nick them? :D ,
The metro was one of the most stolen cars going a few years back ?
Seggons
28-07-09, 04:59 PM
i did that to my first car.....it was awesome :D
I have a feeling that your first car wasn't a metro through... The last thing I want to do is draw attention to myself. :lol:
Thread title made me think you'd got an IL4. :eek:
Nice little babe magnet you've got there Smeggo.
Can't help but think of this though. Go to 5.58 - 7.28.
http://www.youtube.com/watch?v=nb9hV475Y00
:D
Arr Harrr, Cashback. :D
Dave20046
28-07-09, 05:10 PM
Thread title made me think you'd got an IL4. :eek:
Nice little babe magnet you've got there Smeggo.
Can't help but think of this though. Go to 5.58 - 7.28.
http://www.youtube.com/watch?v=nb9hV475Y00
:D
hehe - it reminds me of the "bus 'w-word's" sketch :razz:
Glad you feel better for it.
jimmy4237
28-07-09, 07:37 PM
Car insurance for youngsters is a joke - easy money for the companies, because they know them youngsters have no choice...
I've a big '04 mondeo TDCI Ghia X (Lovely big cruiser), I got that for a song, and am only paying £260 FC, with a £150 excess. That's not bad, but I've full car 5 years NCB bonus, a trucker, and 8years bike NCB to lower it too...
Once the kids get to 25, insurance doesn't become an issue. Fit the cars with a speed restrictor..... set to 56mph for a year, then increase the governer setting to 65 the next, and 75 the next. Give them 3 years driving at low speeds to give them safety experience. Once the 3 years are up, then de-restrict the car. That's what I'm going to do whenever, and if I ever get married and have kids......:rolleyes::rolleyes:
i did that to my first car.....it was awesome :D
Gracie, when you qualify you'll be Dr Grace Chav with proper letters after your name.
First the white leathers, and now you reveal your chav tendencies regarding car choice (Golf GTi) and ice systems
Graciepants
28-07-09, 11:37 PM
I have a feeling that your first car wasn't a metro through... The last thing I want to do is draw attention to myself. :D
it was a red DIESEL 1.8l fiesta that my dad had broken so only did 97mph and had dents all round the side from where he spun on black ice did 180 degrees and hit both banks on the side of the road while spinning. it also had yellow pain down the side from when i had an argument with a bollard.
to hijack your thread:
http://i385.photobucket.com/albums/oo300/graciepants_2008/Rearview.jpg
mwhahahahahahaha i was such a CHAV!!
Gracie, when you qualify you'll be Dr Grace Chav with proper letters after your name.
First the white leathers, and now you reveal your chav tendencies regarding car choice (Golf GTi) and ice systems
i loved that golf more than the boyfriend at the time, gets worse, as even though i've grown out of the modified car thing, i still want an Evo, lol!
perhaps i can get a burberry neck warmer for when im on the bike?
even though i've grown out of the modified car thing, i still want an Evo, lol!
I've had a few Evo Vs and VIs - I love them to bits but sold every one of them within 2 weeks. Thinking of buying another VI to keep for a while
perhaps i can get a burberry neck warmer for when im on the bike?
Maybe some white stiletto heeled bike boots and huge hoop earings to stick on the side of your lid too. You're a classy burd, make no mistake ;)
i loved that golf more than the boyfriend at the time, gets worse, as even though i've grown out of the modified car thing, i still want an Evo, lol!
Whats wrong with that? i want an evo (specially after watching that episode of top gear) and i dont chav out my cars, if ever i'd do anything it would be mainly engine tuning, and performance upgrades and if i gunna upgrade the look its would standard stuff e.g. getting bumpers of an SRI astra and putting them on a bog standard astra :p
http://img.photobucket.com/albums/v625/Seggons/Car/DSC00387.jpg
Happy Days! :D
needs beefing up a bit
6R4 bodykit?..............
http://blog.krismeeke.com/wp-content/uploads/2009/01/metro_001_large.jpg
Seggons
29-07-09, 07:05 PM
Things tonight have just gone from bad to worse. I did all my quotes and my final insurance setup on the thinking that my 2 years NCD on the bike could also be used for the car. But after a simple phone call to ask for proof of NCD I find bike NCD is incompatible with a car so my policy is now void and has to be redone.
The ironic thing was I got passed to the same bloke that I first set it up with which was nice. I said to him that all I can afford is £300 on top of what I've already paid which he took a sharp intake of breath.
After 30 minutes of deliberation the lowest he could possibly get it was £300 + £8 a month over 11 months, all this on top of £650 that I had already paid. After much reluctance I give him my card details and we said our good byes.
5 minutes goes past and the phone rings, it's the same bloke from the insurance company to tell me the payments been refused. I replied with great concern that there's no reason for it to be so I went online to find out why. The penny then dropped and I realised what I'd done, I looked at the balance figure rather then the available balance figure. 2 cheques were still pending so I only had £222 in my account to which I said to him I'm ready to cancel because I cannot afford it.
He said the last option was to take £200 and put the rest on the finance to which I agreed. So my overall total for a £400 car is £998. I feel royally ripped off and now have the challenge of feeding myself. :(
Dave20046
29-07-09, 07:11 PM
Things tonight have just gone from bad to worse. I did all my quotes and my final insurance setup on the thinking that my 2 years NCD on the bike could also be used for the car. But after a simple phone call to ask for proof of NCD I find bike NCD is incompatible with a car so my policy is now void and has to be redone.
The ironic thing was I got passed to the same bloke that I first set it up with which was nice. I said to him that all I can afford is £300 on top of what I've already paid which he took a sharp intake of breath.
After 30 minutes of deliberation the lowest he could possibly get it was £300 + £8 a month over 11 months, all this on top of £650 that I had already paid. After much reluctance I give him my card details and we said our good byes.
5 minutes goes past and the phone rings, it's the same bloke from the insurance company to tell me the payments been refused. I replied with great concern that there's no reason for it to be so I went online to find out why. The penny then dropped and I realised what I'd done, I looked at the balance figure rather then the available balance figure. 2 cheques were still pending so I only had £222 in my account to which I said to him I'm ready to cancel because I cannot afford it.
He said the last option was to take £200 and put the rest on the finance to which I agreed. So my overall total for a £400 car is £998. I feel royally ripped off and now have the challenge of feeding myself. :(
If it makes you feel any better, I was forced by work to get a cage and including business insurance this costs me almost 3 times what you're paying.
ManxMatt34
29-07-09, 11:07 PM
Goooo Retro Metro... you'll get it sorted, i'm paying 1k this year with no claims on a Ibizia 1.4 2002 model. Thats at 18 and on the IOM Mind. Always slightly cheaper here.
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