Car Advice?

[nel636]

alright,

well im looking at buying a golf but i have abit of a dilemma. all the golfs i like are the gt tdi's and the gti's but after getting an insurance quote ive been told my insurance company will not insure me for anything over 90 bhp! cant believe it! im 6 month through my premium and am 21 so i dont wanna loose them ncb's so i dont wanna change insurers.

so ive been looking about for the entry 1.4s golfs. ive seen one and is much cheaper than the 5-6k i was gona spend before - the car is 3k. its an s reg mk 4 with 91k on the clock. heres where i want the advice - it has only got SH until 50k and it hasnt had the cam belt or water pump changed. what would you guys do?

i thought i would look at this car as a stop gap - to keep for 2-3 yrs maybe until my insurance comes down - then buy a better car or would yous just wait for my year premium to finish then have a look?

ive looked at other cars like the a3/4 3 series etc but cant seem to get the insurance.

any help would be great.

cheers.

[MalcQV]

£3k sounds a lot for an S reg car, but it may well be the going rate. I paid just short of £6k for my 2003 Passat last September from a VW dealer.

We are talking 6 months until you get your NCB? If it was me I would either keep what I had (assuming you still have it) or buy something mega cheap until the time I can shop around for another insurer.

[adambucky]

i have a golf tdi for sale 90bhp 77.950 miles
full history upto 2005
having a service in a few weeks
just a slight judder problem when slowing down when it is sorted it will be for sale
18s
W reg june 2000 i think

open to decent offers

[NicholasP]

my advice would be go for a diesel, they're quirky..and save you money..the 1.4s are seriously sluggish!

(and the diesel goes quick when chipped )

[nel636]

adam > how much would you be looking at? whats the reg and history etc? where do you live?

i know the 1.4 will be sluggish but the main issue for me is insurance. at the minute i drive a 1.2 punto (so anything will be a step up ) but i was just looking for a stop gap car for a few years until i get to about 24-25 then go for a much better car.

any suggestions?

[adambucky]

its a w reg
it has vw dealer history upto 2005
the engine is fantastic
mature driver
18s
all round great car

im from burnley lancashire


as i say im open to offers
loads of pictures
email me adambucky@hotmail.com and i will send you some pictures

[Eshrules]

adam > how much would you be looking at? whats the reg and history etc? where do you live?

i know the 1.4 will be sluggish but the main issue for me is insurance. at the minute i drive a 1.2 punto (so anything will be a step up ) but i was just looking for a stop gap car for a few years until i get to about 24-25 then go for a much better car.

any suggestions?

nope, IMO, you'd be better of sticking with the punto rather than outlaying to get the golf... the 1.4 is seriously, seriously sluggish, you wont get the MPG of a diesel and the 'S' model is the most basic, no remote central locking or alarm as standard.

TBH, if you want to step up, why not consider the seat ibiza/skoda fabia, practically the same car in essence but tend to be slightly cheaper than there vw/audi counterparts.

in regards to the car you've seen, its a 1.4 S on an 98/99 S plate, with 91k on the clock, 41 of which is unaccounted for. that to me alone, would send me packing, why has the car not got history for half of its working life and @ 91k on a 1.4, there could be some underlying major mechanical issues. £3k is well overpriced for that.

i upgraded from a 1.2 fiat brava, i couldnt have justified it if i was moving to a 1.4, i drove my brothers 1.6 after test driving a 1.4, there is no comparison between the two.

IMO, stick with the punto for a few years until you can afford to insure a decent mk4 tdi.

if you rush into it now and get a 1.4 thats been around the block with god knows how many chavvy owners, youll end up spending more in repairs than you paid for the car

[pagey]

There are plenty of insurers that will let you transfer your no claims part way through the term, providing you havnt crashed' 90 bhp limit havnt heard that before.
sounds a bit pricey but without seing full spec its always hard to tell wouldn't worry about the water pump so much' but you would have to set aside a bit of cash for the old cam belt. was that vw service history up to 50k ? and has the last owner had it from 50k till now ?or a few owners? if so it might be a case of he/she has had the **** of it done no maintenace on it and wants rid before it turns the 100k corner. remeber this no one sells a bargain !

For a stop gap car then yeah i would aim a little lower unless your minted.
if your not minted spending vast sums on insurance young is a waste of money in my opinion. If you get the insurance sorted why not try a mrk3 golf gti pick one up with 80-90k for half the price or if not go with a similar age 1.4

save a packet, wait till your premium comes down get that A3 when you can afford it,

but the choice is yours

[Eshrules]

spending vast sums on insurance young is a waste of money in my opinion.

im currently paying £1500 a year for my 1.9 gt tdi, aged 22 with no 'no claims' bonus good job i love the car

[pagey]

im currently paying £1500 a year for my 1.9 gt tdi, aged 22 with no 'no claims' bonus good job i love the car

each to there own. no no claims whats gone wrong ?