S2=RSTmatt

Hey people, just a lil question ..

Im coming off my driving ban on 23rd of November and i need to start saving for a car, obviously gonna be a Ford, i cant stray away from the Blue Oval

What Ford would be relatively cheap to insure?

E.g, 1.3 escort/1.1 fiesta mk3/ fez si, for a 21 year old...obviously an RSt is wayyy out the picture for me atm.


Also, iv been told 2 different things to do with the ban-

1. If i have so many points, i cant apply for a provisional ?
2. When i come off the ban, the points should be gone but a ban will be on my record?

Am i listening to idiots, or is it all true ?

All help will be appreciated..

I miss my Fords ..

phil_focus

it will be near impossible to tell how much you would get charged for any of those cars, you need to ring round a few insurers yourself!

silky16v

iTrader: (1)

Ford Ka/Fiesta will most probs be the cheapest ford to insure

DanW@FastFord

iTrader: (1)

Generally you won't have any points when you come off the ban, but the ban will be on your license for the same number of years (on for 4, active for 3, unless it's a drink or drugs related incident)

There are exceptions to the rule, but if you got banned for totting up, then no, you won't have points on your license - not that will make your insurance any cheaper, as you'll have a ban on there intead!

S2=RSTmatt

Na, its not drink or drug related, it was taking of my stepdads car, so twoc i guess.. wasnt like i had him at knifepoint demandin keys or anything dumb like that,even tho thats dumb in itself..

i think i have 22 points NOT GOOD i was such a prick back then .. i think its goin to have to be 1.1 fiesta, just couldnt bring myself to purchase a Ka.. id never live it down lol.

so is a ban on record as bad, or worse than having all them poiints.. and being 21 isnt insurance a little bit cheaper? not much but iv heard it goes down a bit..

scholesyy

Blimey 22 points!

I wudnt like to think how much ur insurance is gonna cost!

Its dear with my 3 points!

S2=RSTmatt

i know, i was a right idiot about driving but cant change the past just gotta deal with it :\

s2chris

iTrader: (4)

like your attitude mate, ive got a mate who had loads of points etc for stupid things and still to this day argue's he done nothing wrong. fessa probly your cheapest option but you wont no until you ring around.

Deano

22 points ? How the hell did you end up with 22 !

S2=RSTmatt

first car mk3 s1 shape escort...crashed into lampost had no brakes and dont think steering was working well.. 6 points

fiesta si.. went out to pick 2 mates up got caught,pulled straight over .. 6 more points and 6mth ban...

escort mk5 si... overtook on motorway bridge,got 12mth ban and ..8 points..

the last 1 stepdads motor took that ,driving whilst banned ( biggest mistake of my life ) got a 2year ban, and another 8 points ...

but iv lost first 6 becuase of the amount of time passed/ 4 years...

Bloody teenage years i fucked myself righttttt up.

Glenn_

iTrader: (1)

You have been a naughty boy havent you.

Try to get insured on a 1.25 fiesta.

dojj

iTrader: (3)

some companies i was asking around for for myself and the wife were quoting over £600 a year and i've got 10 years no claims and the mrs has 1 years worth of expirience so it's not as cheap as you might have thought

geordie_ka

1.25 mk4 fiesta was my first car and it was dear to insure then i got a 1.3 ka that was cheap as chips and now i am on to a sport ka and i still find it cheap

S2=RSTmatt

insurance is pretty much a joke.

we have all our insurance with one company, house/cars/contents, everything insured with this company, my parents get some kind of discount so would it be possible to get a cheap price with the discount taking into account the ban on record, or would that not really do me any favours.. ?

gjh

Ka is probably cheaper to insure than a fiesta, there not to bad to drive at all, can't think of a cheaper ford, maybe if you get a classic? Like an anglia? (just watch out for Harry Potter fans).

S2=RSTmatt

Haha, im

S2=RSTmatt

Haha, im not a Harry Potter fan..but as long as Ron Weasly didnt try anything, i think id be cool

But dont you have to be 25 to take out a classic insurance policy ??

ontheway

naa mate, try footman james, they were quite happy to give me a quote @17 but they limit you to lower risk cars... i.e. rst is out of the frame lol

S2=RSTmatt

Oh yeah, i forgot about them,cheers

I take it it would be better if i phoned them rather than an internet quote..
Because the Footman James website is telling me i have to be 25,..

Hmmm.. pretty annoyed with myself now, i REALLY want an S2 man ..lol

Would a mk5 escort with a 1.4 cvh be classed as a classic ?

ontheway

they told me it had to be atleast 15 years old and you had to be a member of an enthusiast club relating to the vehicle concerned

bunnymofo

so anythign over 15 years old and u can have classic insurance ? how much cheaper is it for a 17 yr old ?

ontheway

err HUGELY haha one of my friends is paying £600 for a hillman something and i got a quote for my mk3 escort when it was a 1.3 of £1100 so yeaa it is a hell of alot cheaper

bunnymofo

*goes to buy something over 15 years old, wltho my insurance of already pretty cheap, £879 for a y reg 1.8 escort van

Gibbo87

fiesta have been dear to insure i have found cos they are classed as high risk due to being easy to pinch

DanW@FastFord

iTrader: (1)

You can properly kiss goodbye to any 'cheap' insurance mate. No matter what car you go for it will be very expensive.

S2=RSTmatt

I know, if i could make that ban dissapear i would.. but i cant so gotta deal with what iv got now.

But iv just got a little quote for a mk5 Escort 1.4 cvh, £2,600 (i consider that cheap compared to my 19 y/o friends quotes) off a random website, so i could probably get it cheaper if it was with my parents company as i get the discount surely?

Not bad considering all my previous quotes had been at the 6/7k mark