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.