Buying a 'first car'

Often the first thought when looking at someone's first car is Used! This obviously keeps the costs down and of course limits the risk to an expensive asset if anything goes wrong, however Used cars often have more mechanical issues than New cars. There are now a plethora of finance options for new cars, whether it be a lease, PCP (Personal Contract Purchase), HP (Hire Purchased) or of course buy outright. 

You can find some really good advice and a breakdown on which option would be best for your situation on Money advice service website - www.moneyadviceservice.org.uk/en/articles/car-finance-explained

Here we walk you through some leaders in their class

 
 

Best Used cars

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FORD FIESTA (08-17)

EURO NCAP SAFETY RATING FIVE STARS (2012)

WARRANTY DIRECT RELIABILITY INDEX/REPAIR COST  26/£199.41

INSURANCE FROM GROUP 3

We can’t think of a better used car for new drivers than the previous generation Ford Fiesta. It’s highly rated by the safety experts at Euro NCAP, who awarded the car the maximum five stars in 2012. The Fiesta is reliable, too. The independent warranty provider, Warranty Direct, compiles the Reliability Index (www.reliabilityindex.com) based on the cars it covers. The lower the index score, the more reliable the car – the Fiesta scores 26. The average repair cost is also low, sneaking under £200

 

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CITROEN C1 (05-14)

EURO NCAP SAFETY RATING THREE STARS (2012)

WARRANTY DIRECT RELIABILITY INDEX/ REPAIR COST 15/£256.08

INSURANCE FROM GROUP 2

The C1 is tiny, easy to park, and a doddle to drive. It’s also very affordable to buy and run, and rarely goes wrong. Its crash test rating could be better, though.

 

 

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Kia Picanto (used).jpg

KIA PICANTO (11-17)

EURO NCAP SAFETY RATING FOUR STARS (2011)

WARRANTY DIRECT RELIABILITY INDEX/REPAIR COST 19/£163.65

INSURANCE FROM GROUP 3

There’s a choice of three and five-door versions of the Picanto. Whichever you and your young driver choose, the Picanto is well equipped and inexpensive to buy.

 

 

VOLKSWAGEN POLO (09-17)

EURO NCAP SAFETY RATING FIVE STARS (2009)

WARRANTY DIRECT RELIABILITY INDEX/ REPAIR COST 24/£184.27 INSURANCE FROM GROUP 3

A used VW Polo may cost more than the equivalent Fiesta, but it’s still a cracking used car. Safety standards are high, reliability is a strong point,  and there are plenty to choose from.

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Best New cars

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NISSAN MICRA

EURO NCAP SAFETY RATING  FIVE STARS (2017)

AUTONOMOUS EMERGENCY  BRAKING STANDARD

INSURANCE FROM GROUP 1

As the winner of our Car of the Year award at the inaugural FirstCar Awards, there’s no better first car for young drivers than the Nissan Micra. It’s affordable to buy, cheap to fuel and insure, and very safe. Prices start from just £12,750, meaning the most affordable Micra undercuts the cheapest Ford Fiesta and Volkswagen Polo by some margin. At the time of writing there are PCP deals available with a monthly cost of £149. There’s plenty of scope to personalise the look of the car, inside and out.
 

 Image courtesy of Nissan

Image courtesy of Nissan

 Image courtesy of Ford

Image courtesy of Ford

FORD FIESTA

EURO NCAP SAFETY RATING FIVE STARS (2017)

AUTONOMOUS EMERGENCY BRAKING OPTIONAL (£ VARIES)

INSURANCE FROM GROUP 2

The Fiesta runs the Micra close. It’s a brilliant supermini and a first car any youngster would be proud to own. It costs more to buy than the Micra and even entry-level models can’t quite match the Nissan’s rock-bottom insurance grouping. But it’s safe, practical, easy to drive and great fun.
 

 Image courtesy of Volkswagen

Image courtesy of Volkswagen

VOLKSWAGEN UP!

EURO NCAP SAFETY RATING FIVE STARS (2011)

AUTONOMOUS EMERGENCY BRAKING OPTIONAL (£380)

INSURANCE FROM GROUP 1

The Up! has been around many years now, but it’s still our favourite city car and a great first car for young drivers. You might expect to pay a premium for a VW, but it’s actually very competitively priced. There’s a choice of efficient petrol engines and very low insurance groupings, and autonomous emergency braking is an option.
 

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