The Cheapest Cars to Insure http://thecheapestcarstoinsure.co.uk Get on the Road for Less Tue, 07 Nov 2017 21:07:59 +0000 en-US hourly 1 Renault Twizy Insurance Group and Review http://thecheapestcarstoinsure.co.uk/renault-twizy-insurance-group-and-review/ http://thecheapestcarstoinsure.co.uk/renault-twizy-insurance-group-and-review/#comments Wed, 02 Mar 2016 18:00:26 +0000 http://thecheapestcarstoinsure.co.uk/?p=267 The Renault Twizy is a very small electric car that has two seats and gives an extremely economical performance. Its tiny size and futuristic looks mark it out an interesting alternative to the other city cars on the market right now, although it seems fair to say that it isn’t to everyone’s taste. It was

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The Renault Twizy is a very small electric car that has two seats and gives an extremely economical performance. Its tiny size and futuristic looks mark it out an interesting alternative to the other city cars on the market right now, although it seems fair to say that it isn’t to everyone’s taste.

It was introduced to the world at the Frankfurt Motor Show in 2009 and started being sold in Europe in 2012. Indeed, it went on to become Europe’s best selling plug-in electric car in that same year.

The Twizy was released in the shape of three different models and, interestingly, the purchase price doesn’t include the battery pack. Instead, this is leased to the owner for a monthly fee which includes a guarantee and roadside assistance.

The open side of this car is one of the stand-out features and technically it is classed as a quadricycle. The battery gives a range of up to 62 miles (100 km).

The Models

The most basic model at the launch was the Twizy Urban 45, which offers 5 horsepower and a maximum speed of only 28 mph (45 km/h). These characteristics mean that it can be driven in many European countries by young drivers or moped licence holders.

Next up is the Twizy Urban 80, with 17hp and a maximum speed of 50 mph (80 km/h). These Urban models were replaced by the new Expression, with only minor and mainly cosmetic changes. Adding a dash of fun to the range is the bright and bold Colour model, which also comes in both 45 and 80 variants.

The Technic model adds a more interesting design and also comes in 45 and 80 varieties. In more recent models the Technic has been replaced by the Dynamique, with no major changes.

Finally, the Twizy Cargo is designed for carrying around goods and replaces the passenger seat with a 180 litre cargo box capable of holding up to 165lb (75 kg). Again, there are 45 and 80 models to choose from.

The Insurance Group

You probably expect such a small and economical car to also be cheap to insure, right? Well, this small car has been classified as a rather disappointing group 10 or 11 in the group listings.

It isn’t clear why the group rating is so high for the Renault Twizy. After all, most of its main city car rivals enjoy far lower ratings. While the lack of petrol costs makes running it easier on the wallet, this relatively high insurance cost and the battery leasing fee could make it more expensive to own than you might have expected. If you are considering buying this car then it would make sense to get an insurance quote first so that you have a good idea of what to expect.

Who Would Want One?

It seems clear that the Twizy has been designed with city dwellers firmly in mind. The open design, lack of power and limited range all add up to make it far from ideal for long distance driving on the motorway.

However, if you have a short commute and need a car that can squeeze into even the tightest space then this is an option worth considering. Plus, you will be doing your bit to look after the planet as well.

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The 5 Cheapest Cars for 2016 http://thecheapestcarstoinsure.co.uk/the-5-cheapest-cars-for-2016/ http://thecheapestcarstoinsure.co.uk/the-5-cheapest-cars-for-2016/#comments Tue, 24 Nov 2015 17:39:51 +0000 http://thecheapestcarstoinsure.co.uk/?p=263 If you are planning take take your driving test, buy your first car or perhaps you are just looking for a newer cheap vehicle in 2016, then perhaps one of the following cheap cars might be right for you. Most are available now but we have focused this list with 2016 in mind. Dacia Sandero

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If you are planning take take your driving test, buy your first car or perhaps you are just looking for a newer cheap vehicle in 2016, then perhaps one of the following cheap cars might be right for you. Most are available now but we have focused this list with 2016 in mind.

Dacia Sandero – Under £6000

The Dacia Sandero is the cheapest of our cheap cars for 2016 and it really does cut down on the excesses to bring you this cheap price. Coming in at just under £6000 this budget brand vehicle from Renault is known for its spacious interior and surprising practicality. The Sandero also incorporates Renault’s latest fuel-saving technology, meaning it is also an efficient runner.

Renault Twizy – £6895

The Twizy is really a car, I promise. icon smile The 5 Cheapest Cars for 2016 The Renault Twizy is a tiny electric car which boasts a massive 2 seats – excuse the sarcasm – and a futuristic design. Its tiny size makes the Twizy a true city car, though in all honesty it will probably not be for you. The sides of the car are completely open to the weather, though there is an option to add some zip-on plastic covers. All this being said, it is still classed as a car, you need a standard license to drive it and it’s cheap, so it therefore belongs on our list of cheap cars for 2016.

Dacia Logan – £6995

The second Dacia on our list, the Dacia Logan is a budget estate car for those who are in need of a bigger – yet cheap – option. At £6995 the price is clearly great for this type of vehicle. This does come at a cost though, as some of the most basic features we have come to expect in a new car like electric windows and even a radio are not included in the base version of the car. You can buy them as extras if you want them, though. The Dacia Logan does however come with plenty of space and a smooth ride, so perhaps this could be the cheap family car you have been looking for?

Vauxhall Viva – £7995

The Viva was originally launched back in 1963 but it has recently been revamped by Vauxhall for our modern age. The Vauxhall Viva certainly doesn’t look cheap and with an insurance group rating of 3 it is sure to be an attractive option for younger drivers. You also get a lot of bits and bobs with the Viva such as cruise control and lane departure warnings, so again it isn’t a car where every corner has been cut to bring down the cost.

Suzuki Celerio – £7,999

The Suzuki Celerio is another cheap car which comes with a lot of kit as standard. For example, the Celerio boasts alloy wheels and features such as air conditioning, Bluetooth connectivity and a DAB radio. You can also upgrade to get extra features such as electric rear windows, coloured trim to match the body of the car, and a four-speaker stereo system. The Celerio has been designed for city use, so don’t expect to be going hell for leather in it! You will get a nice economical car at an equally nice price, though.

So there we have it, 5 of the cheapest cars you can buy in 2016. Each of them have their different pros and cons but if you are looking for a cheap car to drive then I’m sure that at least one of these will come close to fitting the bill!

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Could driverless cars change the car insurance market forever? http://thecheapestcarstoinsure.co.uk/could-driverless-cars-change-the-car-insurance-market-forever/ http://thecheapestcarstoinsure.co.uk/could-driverless-cars-change-the-car-insurance-market-forever/#comments Fri, 04 Sep 2015 13:12:11 +0000 http://thecheapestcarstoinsure.co.uk/?p=260 Driverless cars may seem like a thing of the future to some, but they may not be as far away as you might think. In fact, some research suggests that driverless cars may be on the road in less than 10 years’ time. With the prospect of driverless cars reducing the amount of accidents taking

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Driverless cars may seem like a thing of the future to some, but they may not be as far away as you might think. In fact, some research suggests that driverless cars may be on the road in less than 10 years’ time.

With the prospect of driverless cars reducing the amount of accidents taking place on the road, it is possible that this new technology will change the car insurance market forever. Drivers might no longer need to worry about insuring their car in case of accident, as the main cause of accidents – this being human error – will have been removed from the frame. If there is still a need for accident insurance then the cost of this will likely decrease as more and more driverless cars take to the roads, as the risk of accident should then – at least in theory – decrease too.

What about theft?

There will always be the need for car owners to insure against theft of course, but theft really isn’t the primary reason why car insurance premiums are so high these days. The main thing that has been pushing up the cost of peoples insurance in recent years is the amount of claims that are being made because of injuries caused by accidents on the road.

Can technology really lead to fewer accidents on the road?

You may be sceptical as to whether driverless cars can really lower the risk of accidents or not. After all, technology goes wrong too doesn’t it? While this may be true, it’s interesting to reflect upon the fact that technology is already beginning to lower the risk of accidents on the road in some ways.

Autonomous emergency braking (AEB) for example, which kicks in to stop a car if the driver does not respond in time to another car on the road or even to a pedestrian, has reduced low speed accidents by up to 20%.

We can also think about the little sensors that beep to help drivers park without bumping into other cars. This technology must have helped many people to avoid having to make insurance claims, and fewer claims should mean lower premiums going forward. There is no doubt that technology does have the potential to lower premiums in the car insurance market, and the introduction of driverless cars could be the greatest catalyst for change in car insurance that has been seen for a very, very long time.

New dangers

Of course, the introduction of electric cars onto the roads could bring new threats along with it that might need to be factored in to insurance risk premiums. The possibility of cars being hacked and even of terrorists taking cars over are just two risks which have been mentioned in the media, so perhaps we may not see as big a drop in premiums as we would expect. This is something that only time will be able to answer though, but it is almost certainly going to be an interesting few upcoming decades for the car insurance industry as a whole.

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5 things that can bump up the cost of car insurance http://thecheapestcarstoinsure.co.uk/5-things-that-can-bump-up-the-cost-of-car-insurance/ http://thecheapestcarstoinsure.co.uk/5-things-that-can-bump-up-the-cost-of-car-insurance/#comments Fri, 12 Jun 2015 16:41:35 +0000 http://thecheapestcarstoinsure.co.uk/?p=253 When you first get a quote for car insurance the cost of it can come as quite a shock. Perhaps you are confused as to why your quote has turned out to be so expensive? If this is how you feel then perhaps it is good to consider some of the things that can bump

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When you first get a quote for car insurance the cost of it can come as quite a shock. Perhaps you are confused as to why your quote has turned out to be so expensive? If this is how you feel then perhaps it is good to consider some of the things that can bump up the cost of your car insurance quote to try and explain your high quote price.

Age

Age can play a big role in how much you are likely to be quoted for car insurance. As a general rule, young drivers are likely to be charged significantly more money than older drivers for car insurance. Some insurers may also specialise in lending to the elderly in order to give them a better price or service.

A Lack of No Claims Discount

For each year that you hold a car insurance policy without making a claim, your insurer will give you a year of no claims discount. This will then lower the cost of your next car insurance quote by a certain percentage amount. The more years no claims discount you build up, the bigger the discount you will receive on your quote. Car insurance companies will usually allow you to pay a little extra to protect this no claims discount once it has built up to 5 years.

Previous Convictions or Offences

If you have any previous motoring convictions or offenses, such as a speeding ticket or a ban from driving for example – then this will usually bump up the cost of insurance considerably and some insurers may refuse to give you a quote altogether. After a period of time these offenses may drop off your record and will therefore stop affecting you, leaving you with a cheaper quote. Until then however your premium will be increased.

Previous Accidents

If you have been involved in a car accident in which you were the driver then this will likely increase the cost of your car insurance premiums. Usually you will be asked what happened, who was at fault and what was the monetary amount of the claim. This will then decide the premium you will be offered. Again the accident will stop being taken into consideration by insurers after a period of time which can differ from insurer to insurer.

Modified Vehicles

Another factor which can affect the cost of your insurance is whether the vehicle you are looking to insure has had any modifications made to it. Modifications to a vehicle can affect its look – possibly making it more attractive to thieves – and it could also affect the speed and safety of the vehicle – meaning you may be more likely to crash it. This all means that modified vehicles may be subject to increased insurance premiums.

What about Gender?

Although gender did use to be taken into account when calculating insurance premiums, an EU ruling a few years ago made this practice illegal and it is no longer allowed to be taken into account when calculating premiums.

So there we have it, 5 factors which might increase the cost of your car insurance quote and one which won’t.

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Which Vehicles Are Exempt from UK Road Tax? http://thecheapestcarstoinsure.co.uk/which-vehicles-are-exempt-from-uk-road-tax/ http://thecheapestcarstoinsure.co.uk/which-vehicles-are-exempt-from-uk-road-tax/#comments Sat, 16 May 2015 00:38:55 +0000 http://thecheapestcarstoinsure.co.uk/?p=247 Any saving you can make on the cost of running your car has got to be a good thing, hasn’t it? This is why it makes sense to check out which vehicles are currently exempt from road tax in the UK. Having a car that doesn’t need road tax is a big money saver and

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Any saving you can make on the cost of running your car has got to be a good thing, hasn’t it? This is why it makes sense to check out which vehicles are currently exempt from road tax in the UK.

Having a car that doesn’t need road tax is a big money saver and there are more types of vehicle covered by this rule than you might think.

Vehicles for Use by Disabled People

There are a few different categories concerning vehicles for disabled people. The first one is for those cars which are used by a disabled driver. In other cases, it is for vehicles other than ambulances that are used by organisations to provide transport for disabled people. Finally, mobility scooters, powered wheelchairs and invalid carriages are exempt from this tax as well. It is worth pointing out that this last point only applies if they have had a device fitted that limits them to 8mph on the road and 4mph on the pavement.

Historic Vehicles

You might not realise that certain historic vehicles are also exempt from road tax. This applies to those cars that were made before 1975. If you have always wanted to drive a fabulous classic car then this tax exemption might just make it that little bit easier for you to do so. Of course, you might find that maintaining it is more costly than the road tax would have been, but that is a point for another day. If you want a historic car to look good in then this is one extras reason to start working out if it is maybe practical later all.

Electric or Steam Powered Vehicles

The fact that they are exempt from road tax is one of the best reasons for choosing an electric car these days. The good news is that we can probably expect to see more electric cars on sale for lower prices in the coming years. Plans to add more charging stations across the UK will also give more of us a chance to take advantage of this type of cheap option to run vehicle. The exact rules state that the power has to come from an electric storage battery or from an external source. What this means is that it can’t use an electric source in addition to conventional fuel methods. What you may not know is that steam powered vehicles are also exempt, although to be fair these are less commonly seen on the roads just now.

Mowing Machines and Agricultural, Horticultural and Forestry Vehicles

There are a few types of vehicle that are covered in this section. Perhaps an obvious exemption from road tax is the type of vehicle known as mowers. These need to have been designed and built exclusively for cutting grass to be counted. Also exempt are many vehicles which are used exclusively for agricultural, horticultural and forestry purposes. This covers the likes of tractors and off road agricultural vehicles. Those vehicles which only spend a very limited amount of time on public roads are also excluded from the need for road tax.

One point to bear in mind is that you need to apply or road tax even if you own a vehicle that is on this exemption list. It is easy to do this and you can follow the online instructions on the official UK Government site. If you use a car on this list of excluded vehicles then it means one less car-related expense to worry about.

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