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PostPosted: Tue Jul 05, 2011 4:41 pm 
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FSi Donator
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Joined: Mon Mar 19, 2007 12:29 pm
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Location: Melbourne, derbyshire
Drives: Fiesta Shed mk6
Hey all, just got back from ibiza to recieve my insurance renewal

over monthly payments the Focus has gone up to £170 a month! :shock:

Now in theory i can afford that, but i dont want to as a Fiesta Si was only £75 a month and a fiesta ST is £100 a month for comparison, I even am considering doing that or getting a newer shape ZS

But i want to ask on here, if i can afford the rediculous amount should i just cough up, its the cheapest quote i can get for the car :frown: I love it but i also love money too :insanity:

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Ford is not a decision you make to like, its a passion you grow up with.

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Last edited by Mole259 on Tue Jul 12, 2011 6:57 pm, edited 1 time in total.

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PostPosted: Tue Jul 05, 2011 5:27 pm 
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Joined: Sun Aug 03, 2008 11:20 am
Posts: 8463
Location: Rochdale
Drives: Si 1.6 & ST170
Its quite expensive to pay every month.
Id probably opt for the cheaper to insure car if a fiesta st is only £100 a month but then that depends in how well the focus drives because sometimes its worth paying extra if you can afford it for the better car.

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The Loumiester wrote:
Ford is not a decision you make to like, its a passion you grow up with.


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PostPosted: Tue Jul 05, 2011 6:09 pm 
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Drives: Seat Arosa Sport 16v
Zs tdci, job done.

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PostPosted: Tue Jul 05, 2011 6:11 pm 
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Joined: Tue Dec 21, 2004 6:24 pm
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Location: In the Shires
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Fecking 170 month? - get rid!

Mk6.5 ZS TDci - Air filter, remap.

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PostPosted: Tue Jul 05, 2011 6:23 pm 
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Joined: Sun Aug 03, 2008 11:20 am
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Location: Rochdale
Drives: Si 1.6 & ST170
Some of them in standard are pushing 120bhp.

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The Loumiester wrote:
Ford is not a decision you make to like, its a passion you grow up with.


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PostPosted: Tue Jul 05, 2011 7:25 pm 
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Joined: Fri Nov 20, 2009 10:46 pm
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Location: bluewater
Drives: Rs1800
I was paying over 200 a month to drive my rs1800 and I am afraid to say I would pay it again because I loved to drive it
That was with 1 year experience and 0 ncb :doh:

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Nothing wrong with bigging up your own car, thats why you own it.


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PostPosted: Tue Jul 05, 2011 7:37 pm 
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When you say paying monthly, what APR are they charging? it could be cheaper to use a credit card (as long as you stick to paying it over the year, with that there is also cashback deals which can knock a good amount off the policy.

Also try adding different people top the policy and see if it reduces it.

Personally I wouldn't even touch a car with insurance like that, as I keep saying I bought a C2 as the insurance group is mazing for what you get.

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PostPosted: Tue Jul 05, 2011 8:13 pm 
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Donator? Ejaculator!
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Joined: Thu Mar 30, 2006 1:23 pm
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Location: Lincoln
Drives: MK1 Focus Estate Ghia
Get rid.
Waste of money.
You could drive something with decent power which is alot cheaper.. just got to find the best of both worlds IMO.

I vote Ry's idea if you wanted to go to a MK6 Fiesta again - thats what I'd be doing if I could afford to buy one.

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PostPosted: Tue Jul 05, 2011 8:23 pm 
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Joined: Sat Apr 08, 2006 7:54 pm
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Location: Didcot, Oxfordshire
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you'll sell it and regret it and get another one next year............

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FACT wrote:
Ford is not a decision you make to like, its a passion you grow up with.


RIP BEN ELVIN (JAM) 6.6.84 - 3.10.12 - Gone but not forgotten - The below sums you up chap
Ben Elvin "Jam" wrote:
Through serious illness you meet some inspiring and determined people. its the best we can do as human beings to inspire and drive the determination of others. Ben.


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PostPosted: Tue Jul 05, 2011 9:50 pm 
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Location: In the Shires
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When I'm done with the Teg, I'm going Diesel! Can't beat it for day to day driving. Though I plan for it to have an M badge so still not the most economic :lol:

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PostPosted: Tue Jul 05, 2011 9:58 pm 
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Joined: Thu Mar 30, 2006 1:23 pm
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:lol:

I was thinking of an old 525TDS as my next bus.. cheap and not bad after a remap lol

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PostPosted: Tue Jul 05, 2011 11:11 pm 
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Location: Melbourne, derbyshire
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How much does everyone else pay for insurance? :insanity:

I think i might just live with the extra insurance bill, i love the car too much :doh: :lol:

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FACT wrote:
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PostPosted: Tue Jul 05, 2011 11:51 pm 
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Joined: Sun Aug 03, 2008 11:20 am
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Location: Rochdale
Drives: Si 1.6 & ST170
I pay £114 a month with 1 ncb

What was your insurance before it went up?

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The Loumiester wrote:
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PostPosted: Tue Jul 05, 2011 11:57 pm 
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Joined: Sat Mar 05, 2005 1:37 pm
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I paid last year, in Oldhamistan, £610 for a year all mods declared.

Buy a C2! :halo:

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PostPosted: Wed Jul 06, 2011 12:09 am 
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Donator? Ejaculator!
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Joined: Thu Mar 30, 2006 1:23 pm
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Drives: MK1 Focus Estate Ghia
GAY get rid
bet you could insure a cossie for less.

I pay £45 a month for the scrote lol

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Need space and time and I'll crack on with Jams si!

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PostPosted: Wed Jul 06, 2011 12:22 am 
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As much as I love the scrote, the extra £70 a year insurance is well worth it to me.

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PostPosted: Wed Jul 06, 2011 1:13 am 
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Donator? Ejaculator!
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Joined: Thu Mar 30, 2006 1:23 pm
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Location: Lincoln
Drives: MK1 Focus Estate Ghia
Yeah I want a better car, I just cant afford to buy one :lol:

The only upgrade I can do is a downgrade to a Fiat Uno 45s, and that can fuck right off.

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Daily isn't so Special. And it makes me sad.
Need space and time and I'll crack on with Jams si!

Catch me on Facebook as I'm rarely on here.


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PostPosted: Wed Jul 06, 2011 8:19 am 
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Jap Crew
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Joined: Tue Dec 21, 2004 6:24 pm
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Location: In the Shires
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TBH if a Fiesta ST is still £100 a month for you, I'd simply look at getting a cheaper/faster car or stick with the Focus. I won't tell you how much I pay on mine because it would make you feel even worse!

Might as well stick with it because if you want to stay Ford, you probably won't find anything as enjoyable for cheaper as the Mk6 ZS TDCi looks to be a great car - it's still a downgrade and to save 70/80 quid a month.. Well you're only young once and it isn't the largest sum of money to pay on top of what you would pay - As long as you really DO get the enjoyment out of it. :)

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PostPosted: Wed Jul 06, 2011 9:07 am 
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Mole259 wrote:
How much does everyone else pay for insurance? :insanity:


£178 for the year, fully comprehensive including breakdown cover, commuting to work and unlimited mileage


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PostPosted: Wed Jul 06, 2011 9:37 am 
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sjoyce666 wrote:
Mole259 wrote:
How much does everyone else pay for insurance? :insanity:


£178 for the year, fully comprehensive including breakdown cover, commuting to work and unlimited mileage


Tell them you are visiting Oldhamistan for a day and see it double. :lolz:

With that I wouldn't want to pay for a house around there.

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