GolfGTIforum.co.uk
General => General discussion => Topic started by: MrsGallagher on 27 May 2014, 19:33
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Right, I'm 17, and about 15 years ago I completely fell head over heels in love with the MK2. I can SEE myself in one, but obviously being 17, insurance is coming out at about the 3.7k mark. I'm currently a sales apprentice getting a base rate of £400 a month, so of course I could pay for insurance and a little bit of fuel but not have much left over. Beauty of being in sales means I do earn commission.
Friends have said about black boxes to get the insurance down but why buy a car with a 1781cc engine if you're not going to use it?!
Basically, I need you guys to tell me how amazing they are so I can justify it to myself. I'm young and have no responsibility so really what other money do I need?
Heart or Head? :undecided:
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Not worth 4k to insure at 17, you wont get anything back when you stuff it and not be able to insure anything after it let alone run it.
Get a 1.1 poverty spec polo or something until you get a few years ncb.
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I can see myself in a Ferrari but it isnt going to happen
Get a Lupo / Polo or equivalent as a cheap runaround, build up your NCB's and then move on :smiley:
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Get a povo spec car for a few years and enjoy spending your money on booze, food and holidays. I ran an astra van for about three years before getting my MK2 - it was well worth it as I even had enough money to fund a bit of an overlap between cars to sort out a few bits on the golf. Remember also, you wont be able to mod on top of that at 17 :)
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Totally agree with Rhyso,get a low cc runabout until insurance goes down mate
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Sigh, not the answers I was hoping for but I can't really argue with majority opinion.....
Okay even more off topic.... What about an Austin Mini? Dead cheap to insure but then there are reliability questions!
I don't like cars unless they're old.. I'm asking for trouble but you really can't beat a classic?
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A Mrs at 17?!!! :shocked:
Nowt wrong with a Mini but a good one will be hard to find and not cheap!
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Mini's are easy to fix and cheap to run.
They do conk out a lot, are terribly uncomfortable and rust like nothing else.
A solid one will command a good price as most are welded year to year for the mot.
Something about them though
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Get a cheap polo,it's going to be more reliable than a mini and use the saved money to go towards a golf,mk2 are brilliant little cars,why not get a mk2 1300 cc to start off with?then work your way upto a gti
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just go for the mk2 if its what you really want as you might not get another chance so if you want it an can afford it go for it :smiley: an shop around for insurance
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just go for the mk2 if its what you really want as you might not get another chance so if you want it an can afford it go for it :smiley: an shop around for insurance
:grin: :evil: your only young once sensible replies i.e start off with a pov spec car etc but if you really want a mk2 and who wouldn't :wink: go for it
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In reply to Len; No, I am not actually married :')
It really is a case of what I want and what I probably need?
I'm going to a mini club meet this Saturday to further discuss ownership... anyone know of any golf meets in the Derbyshire area???
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In reply to Len; No, I am not actually married :')
It really is a case of what I want and what I probably need?
I'm going to a mini club meet this Saturday to further discuss ownership... anyone know of any golf meets in the Derbyshire area???
have a look in here for any local meets :wink: just get the mk2 gti though
http://www.golfgtiforum.co.uk/index.php?board=3.0
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There was a golf meet on Sunday at Ashbourne,other models there as we'll but mainly golfs
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I can't believe you fell for a car when you were two!? ;D
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: :grin: :grin: :grin:
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I can't believe you fell for a car when you were two!? ;D
Now if it was a mk3, you'd call it puppy love!
Thom
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Member here called Horney (Nick) his wife has just had her Mini restored. He used to be into Mini's too but has now been seduced by MX5's!
Sure he would give you lots of info on Minis
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But have a good read of the Mk2 Section here, the buyers guide etc.
All I hear is they keep falling apart or breaking down! :grin: :evil: :whistle:
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Get a MK2 1.3 for a first car, keep insurance down and build up NCD. That's what I did.
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You'd be surprised how much insurance goes down after 1 years NCB. I'd personally wait until you have at least a year and then you'll have more money to throw at it then.
I got my first mk2 a few months before I had my years NCB, spent loads of time getting it up to scratch so I could jump straight in. That was 7 years ago and I still drive a Mk2, albeit not the same one ha!
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Agree with some of the others - most on here will have done our time in a sh!tbox car to get some NCB built up. It's part and parcel of driving unless you're incredibly wealthy! I know I did - two little mk3 fiestas, a 1.1 and a 1.3
Also, it's worth noting that when you pass your test is when you start to learn to drive. Many new drivers have accidents, big or small. Hence, sh!tbox that you don't care about is a good idea at first so should the worst happen it won't be a tragedy.
It's good that you have a passion for Mk2s, as you really do need it. If you're going to have one long term it will bring you joy, but there will also be a heck of a lot of blood, sweat, tears and heartbreak along the way. There will also be a huge hole in your finances where sensible things like home improvements should be catered for.
I'm female too and 29 now, I've had my mk2 'Trev' since 2006, he was passed down to me from my dad (I also had a lust for the Mk2 from an early age!!), done around 70k miles together now and my insurance is just shy of £200. I love that car more than is natural or possibly healthy and I'm just waiting for the day I can afford to have his bodywork done - one day! :grin:
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I love that car more than is natural or possibly healthy and I'm just waiting for the day I can afford to have his bodywork done - one day! :grin:
Haha this is exactly how I feel!
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Buy a small engine car and spend the rest on decent discs, pads and tyres.
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having been in this position myself id say weigh up your options.
you can afford the mk2, but in a years time will you be able to insure it again, will you be able to afford the maintenance and upkeep of it. and most importantly will you be able to afford to have a life.
I know many people who have fast cars, trouble is, they cant afford to do anything else. they either sit at home on a weekend or go sit with a mate in a car park because they cant afford to go on nights out, go to the cinema go on holidays etc.
when I was 17 I really wanted a mk4 gti, I had the money there for the insurance, my job meant I could afford to run it and maintain it and tax it and pay insurance the next year etc etc etc. I could also afford to go out every weekend and waste best part of £100 getting drunk, could afford to go on 1, 2 or sometimes 3 holidays a year etc etc etc and just have a life aswell as the car I wanted, therefore I went for it, people said I was mad paying the price I did for insurance, but it was only money and id only waste it on other stuff...
so my advice is if you can afford to have a life then go for it...
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I bought my first Mk2 as I hated them so would never spend any money it, which had been a problem with my fetish for Sweedish cars....Bad move :grin:
Mcgee is right though in a sense, if you live at home have a good job and can afford to dish money out hand over fist and still go out for a laugh then go for it.
Once you get knocked up/trap a poor fellah with a baby/buy a house or all three,cars and fun go out of the window :evil:
Once you are over 35 you stop looking cool in a MK2 and just look like someones dad or mum taking the car for an MOT anyway.
Some things ar best done young
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Mcgee is right though in a sense
always a first for everything :D :laugh:
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having been in this position myself id say weigh up your options.
you can afford the mk2, but in a years time will you be able to insure it again, will you be able to afford the maintenance and upkeep of it. and most importantly will you be able to afford to have a life.
I know many people who have fast cars, trouble is, they cant afford to do anything else. they either sit at home on a weekend or go sit with a mate in a car park because they cant afford to go on nights out, go to the cinema go on holidays etc.
when I was 17 I really wanted a mk4 gti, I had the money there for the insurance, my job meant I could afford to run it and maintain it and tax it and pay insurance the next year etc etc etc. I could also afford to go out every weekend and waste best part of £100 getting drunk, could afford to go on 1, 2 or sometimes 3 holidays a year etc etc etc and just have a life aswell as the car I wanted, therefore I went for it, people said I was mad paying the price I did for insurance, but it was only money and id only waste it on other stuff...
so my advice is if you can afford to have a life then go for it...
What did you did for a job at 17?
I could go easily afford the lease or even finance on a Golf R but am desperately saving for a property.
Sometimes I think why don't I just be young and get one then I think nah a £2000 Clio will have more fun as not worrying about it. :grin:
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having been in this position myself id say weigh up your options.
you can afford the mk2, but in a years time will you be able to insure it again, will you be able to afford the maintenance and upkeep of it. and most importantly will you be able to afford to have a life.
I know many people who have fast cars, trouble is, they cant afford to do anything else. they either sit at home on a weekend or go sit with a mate in a car park because they cant afford to go on nights out, go to the cinema go on holidays etc.
when I was 17 I really wanted a mk4 gti, I had the money there for the insurance, my job meant I could afford to run it and maintain it and tax it and pay insurance the next year etc etc etc. I could also afford to go out every weekend and waste best part of £100 getting drunk, could afford to go on 1, 2 or sometimes 3 holidays a year etc etc etc and just have a life aswell as the car I wanted, therefore I went for it, people said I was mad paying the price I did for insurance, but it was only money and id only waste it on other stuff...
so my advice is if you can afford to have a life then go for it...
What did you did for a job at 17?
I could go easily afford the lease or even finance on a Golf R but am desperately saving for a property.
Sometimes I think why don't I just be young and get one then I think nah a £2000 Clio will have more fun as not worrying about it. :grin:
a clio more fun than a golf r :grin: :grin: really
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having been in this position myself id say weigh up your options.
you can afford the mk2, but in a years time will you be able to insure it again, will you be able to afford the maintenance and upkeep of it. and most importantly will you be able to afford to have a life.
I know many people who have fast cars, trouble is, they cant afford to do anything else. they either sit at home on a weekend or go sit with a mate in a car park because they cant afford to go on nights out, go to the cinema go on holidays etc.
when I was 17 I really wanted a mk4 gti, I had the money there for the insurance, my job meant I could afford to run it and maintain it and tax it and pay insurance the next year etc etc etc. I could also afford to go out every weekend and waste best part of £100 getting drunk, could afford to go on 1, 2 or sometimes 3 holidays a year etc etc etc and just have a life aswell as the car I wanted, therefore I went for it, people said I was mad paying the price I did for insurance, but it was only money and id only waste it on other stuff...
so my advice is if you can afford to have a life then go for it...
What did you did for a job at 17?
I could go easily afford the lease or even finance on a Golf R but am desperately saving for a property.
Sometimes I think why don't I just be young and get one then I think nah a £2000 Clio will have more fun as not worrying about it. :grin:
a clio more fun than a golf r :grin: :grin: really
I'm trying to convince myself. :grin:
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having been in this position myself id say weigh up your options.
you can afford the mk2, but in a years time will you be able to insure it again, will you be able to afford the maintenance and upkeep of it. and most importantly will you be able to afford to have a life.
I know many people who have fast cars, trouble is, they cant afford to do anything else. they either sit at home on a weekend or go sit with a mate in a car park because they cant afford to go on nights out, go to the cinema go on holidays etc.
when I was 17 I really wanted a mk4 gti, I had the money there for the insurance, my job meant I could afford to run it and maintain it and tax it and pay insurance the next year etc etc etc. I could also afford to go out every weekend and waste best part of £100 getting drunk, could afford to go on 1, 2 or sometimes 3 holidays a year etc etc etc and just have a life aswell as the car I wanted, therefore I went for it, people said I was mad paying the price I did for insurance, but it was only money and id only waste it on other stuff...
so my advice is if you can afford to have a life then go for it...
What did you did for a job at 17?
I could go easily afford the lease or even finance on a Golf R but am desperately saving for a property.
Sometimes I think why don't I just be young and get one then I think nah a £2000 Clio will have more fun as not worrying about it. :grin:
a clio more fun than a golf r :grin: :grin: really
I'm trying to convince myself. :grin:
try driving both then say that :whistle:
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No. I don't need to. The Clio is the best car in the world ever made. I'm not listening. Blah blah blah.
:grin:
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Why don't you get a lower CC MK2? They did a 1.3 right? I know it's not a GTI but it's still a mk2!
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Have you asked your boss about business insurance ? At 17 I had a 200 bhp clio and it cost £300 on business insurance.
Granted you don't build no claims but your age will bring your premiums down. At 19 I had a golf gti and it was about £600 to insure. I'm now 21 and almost every car is under £500 to insure and I only have 2 years ncb
I would not pay 4k on insurance though, if getting your own policy is only option then get something cheaper else you will regret it. Bare in mind if your paying monthly and lost your job you still have a 4k insurance bill to pay
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No. I don't need to. The Clio is the best car in the world ever made. I'm not listening. Blah blah blah.
:grin:
this is why your called bellend :grin:
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No. I don't need to. The Clio is the best car in the world ever made. I'm not listening. Blah blah blah.
:grin:
this is why your called bellend :grin:
(http://media.tumblr.com/tumblr_m96qikFvMa1qlydob.jpg)
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No. I don't need to. The Clio is the best car in the world ever made. I'm not listening. Blah blah blah.
:grin:
this is why your called bellend :grin:
(http://i1210.photobucket.com/albums/cc419/barrym381/download_zpsb0161cb4.jpg) (http://s1210.photobucket.com/user/barrym381/media/download_zpsb0161cb4.jpg.html)
this is what you really meant :grin:
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No. I don't need to. The Clio is the best car in the world ever made. I'm not listening. Blah blah blah.
:grin:
this is why your called bellend :grin:
(http://i1210.photobucket.com/albums/cc419/barrym381/download_zpsb0161cb4.jpg) (http://s1210.photobucket.com/user/barrym381/media/download_zpsb0161cb4.jpg.html)
this is what you really meant :grin:
Nope, when signing up I typed my name in, that's why I am called Bellend. ;)
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Have you asked your boss about business insurance ? At 17 I had a 200 bhp clio and it cost £300 on business insurance.
Granted you don't build no claims but your age will bring your premiums down. At 19 I had a golf gti and it was about £600 to insure. I'm now 21 and almost every car is under £500 to insure and I only have 2 years ncb
I would not pay 4k on insurance though, if getting your own policy is only option then get something cheaper else you will regret it. Bare in mind if your paying monthly and lost your job you still have a 4k insurance bill to pay
A lot of the cost depends on other factors such as where you live, it won't be the same for everyone. I had to build more like 6 years NCB to get below £500!
Financial commitments are worth thinking about for sure - what would happen if you or your partner lost your job, could you cope if you suddenly needed to do repairs at home etc. Also don't forget that your financial commitments may affect your ability to take out a mortgage in the future.
I know what it's like to be trapped in to finance and suddenly find you can no way afford it (my other half had a new car and was unexpectedly made redundant in the worst possible way), and it is not bloody pleasant I can tell you. We're still recovering three years down the line. I would urge anyone to think extremely long and hard before making any sort of financial commitments, you really don't know what's around the corner.
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My first car was a 20 year old Mk1 Golf C 1.3, i just made it look, and drove it, like a gti. Remember being 17 adds 50bhp to whatever your driving.
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having been in this position myself id say weigh up your options.
you can afford the mk2, but in a years time will you be able to insure it again, will you be able to afford the maintenance and upkeep of it. and most importantly will you be able to afford to have a life.
I know many people who have fast cars, trouble is, they cant afford to do anything else. they either sit at home on a weekend or go sit with a mate in a car park because they cant afford to go on nights out, go to the cinema go on holidays etc.
when I was 17 I really wanted a mk4 gti, I had the money there for the insurance, my job meant I could afford to run it and maintain it and tax it and pay insurance the next year etc etc etc. I could also afford to go out every weekend and waste best part of £100 getting drunk, could afford to go on 1, 2 or sometimes 3 holidays a year etc etc etc and just have a life aswell as the car I wanted, therefore I went for it, people said I was mad paying the price I did for insurance, but it was only money and id only waste it on other stuff...
so my advice is if you can afford to have a life then go for it...
What did you did for a job at 17?
electrical designer (was only apprentice at the time...)
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My fist car was a mk2 Gti, and insurance was no where near that ( closer to 900). Make sure you have responsible named drivers, fully comp vs third party is often cheaper. Play about with quotes, while still being honest. Amazing how much you can save
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also play about with your occupation and employment sector, theres about 10 different combinations of what i can put in, all are completely true to what i do i.e. engineering/chemical industry etc etc etc cheepest cost £700, most expensive was over a grand :shocked:
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My first car was a 1.1 Escort and cost £780 to insure tpft the first year, 25 years ago....
Unfortunatly its where you live and what the car is, at 21 I had a 3.0 V6 and a 2.3turbo all declared for £400 a pop fully comp :lipsrsealed: