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liner33

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Posts posted by liner33

  1. On 02/10/2020 at 09:46, Tony said:

    So what's he driving now?

    Nothing. To be honest my plan was to sell my Octavia and buy a Fiesta ST MK7 with the money with a view to him having it after University finishes next year unfortunately, his behaviour hasn't been good since he went to Uni and I don't feel at all inclined to do anything for him so thought I'd buy a new Fiesta for me and he can sort his own car out as and when he chooses  

     

    Kids eh ?   

     

    He got his refund for the road fund licence today , £3.30 ! :)

  2. Looks like its sold , I got £1595 for it , paid £1850 back in 2016 so I think this car has cost less than £1k to own for 4 years. I don't see electric vehicles as cheap for many of them you could run a V8 for less 

  3. Thought I'd update this and close it off . The little car is up for sale so I thought I would total up almost 4 years of motoring 

    This has been a fantastic car , as a first car its great but as a cheap runaround its superb . They are £20 to tax, do at least 55mpg on average , easy to get 65mpg on a run , will sit at motorway speeds comfortably in fact seems to sit happiest at an indicated 75mph

    Parts are really cheap a full service kit was around £40 ie oil filter, oil , plugs (3) and air filter , no excuse not to do that each year, a full exhaust was £75 if you replace the lot, tyres are less than £50 each for premium ones. Insurance was not too bad for a new driver , first year about £1100, then £800 then £550 and think last year was £300 ish , always fully comp

    In the almost 4 years we have owned it I replaced the battery, full exhaust, two tyres and the indicator stalk (£20) and serviced it every year so about £400 all in ! These cars are incredibly easy to work on also with plenty of How-To videos done online

    After a lot of prompting I also fitted a decent headunit and some better speakers (Only tiny speakers in the dash as standard) , a pair of Kenwood 6x9 in a custom shelf I made, and fitted a dashcam 

    These cars also come with driver and passenger airbags plus side impact airbags in the seats which is pretty good for cars this age

    So if you are currently shopping around for a first car or just a cheap runabout for a while then you should really look at these, the Aygo tends to demand a premium but they all have the same engine and box and are made in the same factory, there are tons around if you look so shop around.

    Washing it to get it ready to sale and a large section of the lacquer peeled off requiring a full respray of the rear bumper, but couple of cans of halfords paint and lacquer and youd never know , nice to see I can still do bodywork 

     

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  4. On 08/09/2020 at 17:15, Rich said:

    Surely they can't do that. If you have 20 years and proof of that, then make a claim they can't just knock 14 years off.

    We're renewing the Lexus with Hastings as they knocked £80 off the renewal price. With the breakdown cover included I can't find a better price for a company I want to go with. Hopefully they do the same with the Accord.

    Of course they can the maximum ncd is 9 years , you cannot build a greater ncd than that. If you claim your ncd is reduced unless you protect it. The years you have over 9 have no effect on your ncd

     

     

  5. The maximum is 9 years so if you lose 3 years ncd following a claim then you would have 6 , if you actually had 20 years without a claim YOU would still go back to 6 years since the most ncd you can accrue is 9 years*.  

    *SOME insurers only give maximum ncd after 9 or more years but the industry standard is 5 years

    If the numbers on the piece of paper matter to you then fine but they wont matter to anyone else and it wont make any difference on how much you pay once you reach max ncd

  6. 17 hours ago, Rich said:

    Yes 9 years is the maximum that most of them honour but I still think they should acknowledge the full number of years that you actually have.

    What if you just left it at the 9 years and had a claim that reduced the number of years you have. If you had say 16 years then it wouldn't reduce it to below the 9 years after a claim.

    What about protecting NCB, I've always taken that option but is it actually a con?

    It doesnt work that way and never has , max ncb is the maximum discount you can get , the amount of years without a claim may well be different but as it bears no relation to the price you pay OR the price you pay following a claim it is simply a number on a piece of paper 

     

    There is NO benefit to having 10 years NCD or 20 years NCD

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