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-   -   Anyone got a cheap ford KA for sale?? (http://forums.sv650.org/showthread.php?t=134903)

chompy 01-07-09 07:54 PM
Anyone got a cheap ford KA for sale??
 
i just passed my test so need a car and the ka's seem to be the cheapest on insurance so any one got one???

Dave20046 01-07-09 07:59 PM
Re: Anyone got a cheap ford KA for sale??
 
funny you should say that my mate rolled his last night. £50?

sunshine 01-07-09 09:07 PM
Re: Anyone got a cheap ford KA for sale??
 
have you looked at a skoda or series 3 landrover?
the landie was cheapest for me but after my off roading fun turned bad im never going to get it back on the road so im looking at a quad bike lots more fun to drive tbh!

BanditPat 01-07-09 10:03 PM
Re: Anyone got a cheap ford KA for sale??
 
Insurance on my rover coupe was cheaper for me than it was on my mums ka

chompy 02-07-09 07:51 AM
Re: Anyone got a cheap ford KA for sale??
 
Quote:
Originally Posted by Dave20046 (Post 1959245)
funny you should say that my mate rolled his last night. £50?
nah im looking at getting one with not too much damage and seeing as they rolled it, it sounds like its been ragged

chompy 02-07-09 07:52 AM
Re: Anyone got a cheap ford KA for sale??
 
Quote:
Originally Posted by BanditPat (Post 1959391)
Insurance on my rover coupe was cheaper for me than it was on my mums ka
my dad going to own the insurance and im going to be a named driver because he has full NCB wich comes out at £730 TPFT on the KA for a 17 year old driver :D

the_lone_wolf 02-07-09 07:59 AM
Re: Anyone got a cheap ford KA for sale??
 
Quote:
Originally Posted by chompy (Post 1959520)
my dad going to own the insurance and im going to be a named driver because he has full NCB wich comes out at £730 TPFT on the KA for a 17 year old driver :D
I hope he's going to be doing more miles than you in that car...

If not, your insurance will be void, as it's fronting. And they will check if you have a smash...:smt018

chompy 02-07-09 08:01 AM
Re: Anyone got a cheap ford KA for sale??
 
Quote:
Originally Posted by the_lone_wolf (Post 1959522)
I hope he's going to be doing more miles than you in that car...

If not, your insurance will be void, as it's fronting. And they will check if you have a smash...:smt018
how will they know how many miles i have done and how many miles he has done?

the_lone_wolf 02-07-09 08:11 AM
Re: Anyone got a cheap ford KA for sale??
 
Quote:
Originally Posted by chompy (Post 1959524)
how will they know how many miles i have done and how many miles he has done?
How are you going to explain the fact that your dad has a second car, yet uses his own to go to work, and also, in "his" second car, manages to rack up almost exactly the mileage you would do going to work and back yourself, while you have no apparent means of transporting yourself to work?

It'll look so fishy they'd refuse to pay out your claim, and as there would be no evidence you wouldn't be able to prove them wrong. If you're unlucky you and your dad may find yourselves answering questions about insurance fraud. If you find yourself getting caught out obtaining cover fraudulently it opens up a whole new world of difficulties getting cover in the future, lots of companies will likely refuse you cover before you even ask them for a quote, and any that do, knowing you have only a small selection that'll quote you, will charge a fortune.

Just a thought...

chompy 02-07-09 08:14 AM
Re: Anyone got a cheap ford KA for sale??
 
Quote:
Originally Posted by the_lone_wolf (Post 1959536)
How are you going to explain the fact that your dad has a second car, yet uses his own to go to work, and also, in "his" second car, manages to rack up almost exactly the mileage you would do going to work and back yourself, while you have no apparent means of transporting yourself to work?

It'll look so fishy they'd refuse to pay out your claim, and as there would be no evidence you wouldn't be able to prove them wrong. If you're unlucky you and your dad may find yourselves answering questions about insurance fraud. If you find yourself getting caught out obtaining cover fraudulently it opens up a whole new world of difficulties getting cover in the future, lots of companies will likely refuse you cover before you even ask them for a quote, and any that do, knowing you have only a small selection that'll quote you, will charge a fortune.

Just a thought...
my dad is retired so doesnt use the car much anyway and on the other car it has my mum and brother as named drivers. If i had a crash there is no way they would be able to find out if i was doing more miles or my dad because there is other people that drive the other car and plus its not insured with the same company.

Holdup 02-07-09 08:18 AM
Re: Anyone got a cheap ford KA for sale??
 
You main driver, your Dad named driver, try that, i did with my Mum she has 0 NCB named driver on my Dads policy and one time i got a qoute of £700 FC with 1 year NCB 17 yr old driver licence 10 months, 2001 1.6 16v Astra now i cant find the fecking thing!

No i dont have a cheap KA

chompy 02-07-09 08:20 AM
Re: Anyone got a cheap ford KA for sale??
 
Quote:
Originally Posted by Holdup (Post 1959546)
You main driver, your Dad named driver, try that, i did with my Mum she has 0 NCB named driver on my Dads policy and one time i got a qoute of £700 FC with 1 year NCB 17 yr old driver licence 10 months, 2001 1.6 16v Astra now i cant find the fecking thing!

No i dont have a cheap KA
tried that but all insurance companies are giving rediculas quotes like £2000 and there is no opion gto put my dads NCB as him being a named driver

tigersaw 02-07-09 08:24 AM
Re: Anyone got a cheap ford KA for sale??
 
http://news.bbc.co.uk/1/hi/programme...ox/7052569.stm

chompy 02-07-09 08:26 AM
Re: Anyone got a cheap ford KA for sale??
 
Quote:
Originally Posted by tigersaw (Post 1959554)
ahh yh but i wont be the owner of the car my dad will

the_lone_wolf 02-07-09 08:42 AM
Re: Anyone got a cheap ford KA for sale??
 
Quote:
Originally Posted by chompy (Post 1959542)
my dad is retired so doesnt use the car much anyway and on the other car it has my mum and brother as named drivers. If i had a crash there is no way they would be able to find out if i was doing more miles or my dad because there is other people that drive the other car and plus its not insured with the same company.
:smt043

You think the insurance companies won't discuss policyholders information between themselves to help prevent people defrauding them? What's the first thing they say on the phone when you call for a quote: "We share information with other insurance companies to prevent fraud" - Chances are several of your policies are with the same underwriter anyway, even if you got them through different brokers

Hopefully you won't have to make a claim, because you'll have to come up with something a helluva lot better than you've got here to stop them forming an opinion that you were the main driver, then it's up to you to prove you weren't, which you wont be able to do, so you can kiss your claim goodbye...

chompy 02-07-09 10:31 AM
Re: Anyone got a cheap ford KA for sale??
 
Quote:
Originally Posted by the_lone_wolf (Post 1959572)
:smt043

You think the insurance companies won't discuss policyholders information between themselves to help prevent people defrauding them? What's the first thing they say on the phone when you call for a quote: "We share information with other insurance companies to prevent fraud" - Chances are several of your policies are with the same underwriter anyway, even if you got them through different brokers

Hopefully you won't have to make a claim, because you'll have to come up with something a helluva lot better than you've got here to stop them forming an opinion that you were the main driver, then it's up to you to prove you weren't, which you wont be able to do, so you can kiss your claim goodbye...
yh well it was only a quote at the moment i cant even afford 100 let along 700 Lol. Its so rediculas they want to charge £2000 for insurance when the cars im looking at are only worth £600 - £1000

the_lone_wolf 02-07-09 10:46 AM
Re: Anyone got a cheap ford KA for sale??
 
Quote:
Originally Posted by chompy (Post 1959688)
yh well it was only a quote at the moment i cant even afford 100 let along 700 Lol. Its so rediculas they want to charge £2000 for insurance when the cars im looking at are only worth £600 - £1000
Sucks doesn't it? I'm 25 in a few weeks and only now are insurance quotes starting to dip below £300

Owenski 02-07-09 10:49 AM
Re: Anyone got a cheap ford KA for sale??
 
did you lot not watch top gear at the weekend. lol this thread is exsactly what they spoke of.

the_lone_wolf 02-07-09 10:54 AM
Re: Anyone got a cheap ford KA for sale??
 
Quote:
Originally Posted by leedsmatt7 (Post 1959700)
did you lot not watch top gear at the weekend. lol this thread is exsactly what they spoke of.
Hate to break it to you but Top Gear is an entertainment show, quite wht factual value glueing James' stereo on full volume had I don't know

;)

chompy 02-07-09 10:54 AM
Re: Anyone got a cheap ford KA for sale??
 
Quote:
Originally Posted by leedsmatt7 (Post 1959700)
did you lot not watch top gear at the weekend. lol this thread is exsactly what they spoke of.
no i didnt what were they on about then?????

kitkat 02-07-09 12:04 PM
Re: Anyone got a cheap ford KA for sale??
 
my daughter is looking at cars at the moment she will be 17 in january. cheapest car was ford fiesta 3 door 1991. value of car approx £400. Insurance fully comp £770 with her down as owner and main driver. Im down as a named driver but didnt make any difference to price. Insurance is thru auto trader and yes. also gets replacement car and there is no excess. insurance for her to drive my car was £11k

chompy 02-07-09 12:06 PM
Re: Anyone got a cheap ford KA for sale??
 
Quote:
Originally Posted by kitkat (Post 1959812)
my daughter is looking at cars at the moment she will be 17 in january. cheapest car was ford fiesta 3 door 1991. value of car approx £400. Insurance fully comp £770 with her down as owner and main driver. Im down as a named driver but didnt make any difference to price. Insurance is thru auto trader and yes. also gets replacement car and there is no excess. insurance for her to drive my car was £11k
whole different game for girls. I have done a quote on parents fiesta with mum as named driver it came out at just over £2000

Gazza77 02-07-09 12:26 PM
Re: Anyone got a cheap ford KA for sale??
 
Quote:
Originally Posted by chompy (Post 1959688)
yh well it was only a quote at the moment i cant even afford 100 let along 700 Lol. Its so rediculas they want to charge £2000 for insurance when the cars im looking at are only worth £600 - £1000
And how much would it cost to repair the damage you could cause to a 3rd party with your £600 car? That's the answer as to why premium's are so high.

Considered that it may be far more cost effective to go TPFT?

Sir Trev 02-07-09 01:22 PM
Re: Anyone got a cheap ford KA for sale??
 
As usual Top Gear set out with a vague nod towards journalism and headed into (entertaining) farce. Concluding that a beige Volvo estate was the best thing for a young driver to get was gloriously mad. Gluing James' stereo was hillarious and Hamster's face when he told one insurance company on the phone he'd had no accidents in the last five years had me wetting myself with laughter.

I don't have a Ka for sale but have you looked at places like Trade Sales in Slough or Motorpoint? They tend to sell ex-rental cars and they can go for a song. The tatty ones will have had a very hard life but if it gets you the NCB you clearly need you can get something nicer when the premiums get more sensible in a year or two.

hovis 02-07-09 01:36 PM
Re: Anyone got a cheap ford KA for sale??
 
Quote:
Originally Posted by sunshine (Post 1959310)
have you looked at a skoda or series 3 landrover?
!
i see what you have done, you have total mis-read the thread title.

its asking for a ford ka, not asking what car you have,want etc

chompy 02-07-09 03:00 PM
Re: Anyone got a cheap ford KA for sale??
 
Quote:
Originally Posted by Gazza77 (Post 1959838)
And how much would it cost to repair the damage you could cause to a 3rd party with your £600 car? That's the answer as to why premium's are so high.

Considered that it may be far more cost effective to go TPFT?
haha you think thats fully comp, noooooo that is TPFT

chompy 02-07-09 03:02 PM
Re: Anyone got a cheap ford KA for sale??
 
Quote:
Originally Posted by Sir Trev (Post 1959902)
As usual Top Gear set out with a vague nod towards journalism and headed into (entertaining) farce. Concluding that a beige Volvo estate was the best thing for a young driver to get was gloriously mad. Gluing James' stereo was hillarious and Hamster's face when he told one insurance company on the phone he'd had no accidents in the last five years had me wetting myself with laughter.

I don't have a Ka for sale but have you looked at places like Trade Sales in Slough or Motorpoint? They tend to sell ex-rental cars and they can go for a song. The tatty ones will have had a very hard life but if it gets you the NCB you clearly need you can get something nicer when the premiums get more sensible in a year or two.
i have a few cars now that im going to check out but i cant afford all dude to the insurance you can see why people drive without insurance it cost you about £105 to get you car back from impound then £60 fine and any other fines it would cost you less than £250 to get your car back

the_lone_wolf 02-07-09 03:04 PM
Re: Anyone got a cheap ford KA for sale??
 
Quote:
Originally Posted by chompy (Post 1960023)
it would cost you less than £250 to get your car back
No it wouldn't, you'd have to pay for insurance and produce the certificate in order to reclaim your car...

BanditPat 02-07-09 03:17 PM
Re: Anyone got a cheap ford KA for sale??
 
Quote:
Originally Posted by the_lone_wolf (Post 1960025)
No it wouldn't, you'd have to pay for insurance and produce the certificate in order to reclaim your car...
No you wouldn't write a letter explaining that some one else that's tp on other peoples car is picking it up like a parent or a friend and they can get it out of the impoun lot

Gazza77 02-07-09 03:20 PM
Re: Anyone got a cheap ford KA for sale??
 
Quote:
Originally Posted by chompy (Post 1960019)
haha you think thats fully comp, noooooo that is TPFT
You must live in a really rough area then to not be able to get any quotes less than that. I trust you have used all the usual comparison websites?

the_lone_wolf 02-07-09 03:25 PM
Re: Anyone got a cheap ford KA for sale??
 
Quote:
Originally Posted by BanditPat (Post 1960037)
No you wouldn't write a letter explaining that some one else that's tp on other peoples car is picking it up like a parent or a friend and they can get it out of the impoun lot
Are you sure?

The situation as I was aware of it was the the insurance must cover the seized vehicle, otherwise the streets would be full of chavs who got their pikey mates who do have insurance to pick their saxos up from police storage, any of our resident coppers care to clarify?

carty 02-07-09 03:26 PM
Re: Anyone got a cheap ford KA for sale??
 
Quote:
Originally Posted by Gazza77 (Post 1960040)
You must live in a really rough area then
That's it, kick him while he's down :D

How much are you looking to spend on the car? ie, a reasonable Ford Ka might be cheaper on insurance but cost more in the first place than another car. Try looking at old Metro's, Fiat Uno's, etc. They should be just as cheap on the insurance but might be less to buy,

HTH

BanditPat 02-07-09 04:02 PM
Re: Anyone got a cheap ford KA for sale??
 
Quote:
Originally Posted by the_lone_wolf (Post 1960048)
Are you sure?

The situation as I was aware of it was the the insurance must cover the seized vehicle, otherwise the streets would be full of chavs who got their pikey mates who do have insurance to pick their saxos up from police storage, any of our resident coppers care to clarify?
Fairly sure they have to release it to any one with the owners written consent providing the car istaxed and mot'd etc. And don't just look at the low insurance group cars as they may be seen as a higher risk because they are involved in slot of accident hency why my mate gets insurance on his mg zr and I get mine on my 1.6 rover coupe for less than another lad we know pays for the insurance on his 1litre pug

chompy 04-07-09 09:47 PM
Re: Anyone got a cheap ford KA for sale??
 
Quote:
Originally Posted by Gazza77 (Post 1960040)
You must live in a really rough area then to not be able to get any quotes less than that. I trust you have used all the usual comparison websites?
Lol no not really i live in alverstoke, gosport not rough at all, its due to my age because im still 17

embee 05-07-09 04:53 PM
Re: Anyone got a cheap ford KA for sale??
 
There was an item on this subject on Moneybox yesterday on Radio4 (it might be on Iplayer). The average cost of a claim for a "young man" driver was £4k, for a young lady it was £2k, and girls were much less likely to have a claim anyway.

They recommended "pass plus" to reduce premiums by around 30%, some local authorities subsidise them apparently (I think it has to be within 12months of test). Put as high a voluntary excess as you possibly can, and DON'T CRASH!


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