Survey by Qualaroo
+ Reply to Thread
Page 1 of 2 12 LastLast
Results 1 to 20 of 40
Like Tree18Likes

Thread: Car buying help - for UK

  1. #1
    Senior PakWheeler Follow
    omar_575's Avatar
    Join Date
    Nov 2005
    Location
    Lahore
    Age
    28
    Posts
    1,731
    Follows
    1
    Following
    0
    Mentioned
    40 Post(s)
    Tagged
    0 Thread(s)
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0

    Default Car buying help - for UK

    Hi there,

    Sorry for not posting here and replying to my threads like i used to.

    I have been very busy giving exams and all.

    I am going to UK for 7 years to practice there as a doctor. I will go in the end of September.

    Now here's the dilemma - the car!!!

    I don't want a second hand car. And would prefer to buy a decent hatchback on installments (I cannot afford to pay direct cash initially ).

    My requirements:
    1. Not a japanese car. I have enough of those
    2. Preferably a German small hatch
    3. Brand new
    4. Easy finance plan provided by the official dealership

    For now I have thought of a 5 door VW Golf GTI.


  2. #2
    Senior PakWheeler Follow
    omar_575's Avatar
    Join Date
    Nov 2005
    Location
    Lahore
    Age
    28
    Posts
    1,731
    Follows
    1
    Following
    0
    Mentioned
    40 Post(s)
    Tagged
    0 Thread(s)
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0

    Default

    Volkswagen offers : Volkswagen UK

    This is the finance plan. The initial deposit can vary - I have seen finance plans of an initial deposit of around 1,700 pounds as well

  3. #3
    PakWheeler Follow
    juventus's Avatar
    Join Date
    Aug 2013
    Location
    Rawalpindi
    Age
    25
    Posts
    253
    Follows
    0
    Following
    0
    Mentioned
    6 Post(s)
    Tagged
    0 Thread(s)
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0

    Default

    sorry for being offtopic but what is the nature of your job in uk as a doctor which gives you 7 year contract?

  4. #4
    Senior PakWheeler Follow
    omar_575's Avatar
    Join Date
    Nov 2005
    Location
    Lahore
    Age
    28
    Posts
    1,731
    Follows
    1
    Following
    0
    Mentioned
    40 Post(s)
    Tagged
    0 Thread(s)
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0

    Default

    Quote Originally Posted by juventus View Post
    sorry for being offtopic but what is the nature of your job in uk as a doctor which gives you 7 year contract?
    Oh its just a one year Job as a senior house officer. Then I will apply for core training posts and then speciality posts. The whole process is about 5 to 7 years

    I plan to live in uk for 5 to 7 years.

  5. #5
    PakWheeler Follow
    juventus's Avatar
    Join Date
    Aug 2013
    Location
    Rawalpindi
    Age
    25
    Posts
    253
    Follows
    0
    Following
    0
    Mentioned
    6 Post(s)
    Tagged
    0 Thread(s)
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0

    Default

    Quote Originally Posted by omar_575 View Post
    Oh its just a one year Job as a senior house officer. Then I will apply for core training posts and then speciality posts. The whole process is about 5 to 7 years

    I plan to live in uk for 5 to 7 years.
    okay thanks now i get it ....

  6. #6
    Senior PakWheeler Follow
    ahsanonline's Avatar
    Join Date
    Jan 2007
    Location
    Rawalpindi
    Age
    86
    Posts
    2,295
    Follows
    3
    Following
    3
    Mentioned
    19 Post(s)
    Tagged
    3 Thread(s)
    Problems Posted
    2
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0

    Default

    Your foremost concerns should be to find a vehicle that is

    1. Cheap to insure.
    2. Frugal running.
    3. Retains value.


    These are the costs that reign heaviest on the pocket in the UK. Also, if you plan on making mostly short trips, then get a petrol vehicle; if you plan on extensive driving then nothing better than a turbo-diesel.

    There are lots of guides available. Look for autotrader's or topgear's or 'Which?' guides....
    Selling Vitz+local cars - compatible bluetooth Ecu Scantool, High-amp car chargers, Apple-certified Lightning Cables, etc. Click on my name and see my started threads for details.

  7. #7
    PakWheeler Follow
    --shaaban--'s Avatar
    Join Date
    Mar 2010
    Location
    Bristol
    Posts
    130
    Follows
    0
    Following
    0
    Mentioned
    0 Post(s)
    Tagged
    1 Thread(s)
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0

    Default

    U can buy any car on instalments even with ?100 deposit but that will be interest based if u want a car on instalments on 0% apr for that u have to pay b/w 30-50% deposit.

  8. #8
    Senior PakWheeler Follow
    omar_575's Avatar
    Join Date
    Nov 2005
    Location
    Lahore
    Age
    28
    Posts
    1,731
    Follows
    1
    Following
    0
    Mentioned
    40 Post(s)
    Tagged
    0 Thread(s)
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0

    Default

    Quote Originally Posted by --shaaban-- View Post
    U can buy any car on instalments even with ?100 deposit but that will be interest based if u want a car on instalments on 0% apr for that u have to pay b/w 30-50% deposit.
    Yes that's true.
    The finance plan will come later.
    First I've to choose a car .
    And that's where I need everyones help

  9. #9
    PakWheeler Follow
    --shaaban--'s Avatar
    Join Date
    Mar 2010
    Location
    Bristol
    Posts
    130
    Follows
    0
    Following
    0
    Mentioned
    0 Post(s)
    Tagged
    1 Thread(s)
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0

    Default

    Buy the car u like all makes and models have after sales service available where ever u r in the country, but do consider the insurance cost as well because the insurance cost will depend on the size of engine u choose. Assuming u will be driving on international licence to begin with ur insurance will be quite high anways.

  10. #10
    Senior PakWheeler Follow
    deel_ee's Avatar
    Join Date
    Jul 2006
    Posts
    2,030
    Follows
    0
    Following
    0
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0

    Default

    Buying a brand new car means you lose a lot of money in depreciation. A better alternative would be buying an approved used car from the dealership. You can still get the warranty and the finance options are available too.

    As rightly pointed out by few others, go for something which is cheap to insure and tax. Golf has generally got a higher insurance tax premium. Think about polo, UP, or perhaps the new ford fiesta.

    To get an idea about insurance premiums for different cars, check sites such as confused.com. if you are buying and insuring your car on your international driving licence, the cost of insurance could be higher even further and few companies would insure you.

    Let me know if you need any help. I've recently gone through the whole exercise so might be able to guide a bit.

    Good luck!!!

  11. #11
    Senior PakWheeler Follow
    omar_575's Avatar
    Join Date
    Nov 2005
    Location
    Lahore
    Age
    28
    Posts
    1,731
    Follows
    1
    Following
    0
    Mentioned
    40 Post(s)
    Tagged
    0 Thread(s)
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0

    Default

    Quote Originally Posted by deel_ee View Post
    Buying a brand new car means you lose a lot of money in depreciation. A better alternative would be buying an approved used car from the dealership. You can still get the warranty and the finance options are available too.

    As rightly pointed out by few others, go for something which is cheap to insure and tax. Golf has generally got a higher insurance tax premium. Think about polo, UP, or perhaps the new ford fiesta.

    To get an idea about insurance premiums for different cars, check sites such as confused.com. if you are buying and insuring your car on your international driving licence, the cost of insurance could be higher even further and few companies would insure you.

    Let me know if you need any help. I've recently gone through the whole exercise so might be able to guide a bit.

    Good luck!!!

    thanks, a golf GTI falls into insurance group 29.

    I will be using my international drivers license initially

  12. #12
    Senior PakWheeler Follow
    Muzammil73's Avatar
    Join Date
    Aug 2010
    Location
    Islamabad
    Posts
    2,249
    Follows
    2
    Following
    0
    Mentioned
    36 Post(s)
    Tagged
    0 Thread(s)
    Problems Posted
    0
    Problems Solved
    1
    Best Answers
    1
    Good Answers
    0

    Default

    Doctor sab. A fan of your 9gen related thread. However, id like to say that dont take it granted, buying a car.
    In september, go to uk. Settle there. If your commute would be in a big city like london, youd realise car is actually useless there. Plus alot of extra burden on pockets. My uncles in london havr mercs etc, but all parked most of the time. They take it out when travelling to country or some small town. Inside big cities, public transport is the best bet.
    Plus, i think youd be there as a bachelor, so even for driving out of city, public transport would suit you more.

    Otherwise, golf gti is the way to go. Fazal bhai has got one in us. A lovely car. Absolute value for money.
    Honda Civic Fb
    Honda city 1.3 PT (5th Gen)

  13. #13
    Senior PakWheeler Follow
    omar_575's Avatar
    Join Date
    Nov 2005
    Location
    Lahore
    Age
    28
    Posts
    1,731
    Follows
    1
    Following
    0
    Mentioned
    40 Post(s)
    Tagged
    0 Thread(s)
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0

    Default

    Quote Originally Posted by Muzammil73 View Post
    Doctor sab. A fan of your 9gen related thread. However, id like to say that dont take it granted, buying a car.
    In september, go to uk. Settle there. If your commute would be in a big city like london, youd realise car is actually useless there. Plus alot of extra burden on pockets. My uncles in london havr mercs etc, but all parked most of the time. They take it out when travelling to country or some small town. Inside big cities, public transport is the best bet.
    Plus, i think youd be there as a bachelor, so even for driving out of city, public transport would suit you more.

    Otherwise, golf gti is the way to go. Fazal bhai has got one in us. A lovely car. Absolute value for money.
    true
    btw, I am getting married in September and then I am going to uk.

    Most probably i will get a job in the peripheral areas. I got 2 offers from Berkshire and East Kent recently.

    Plus i will be using the car alot on weekends to go for day trips

  14. #14
    Senior PakWheeler Follow
    omar_575's Avatar
    Join Date
    Nov 2005
    Location
    Lahore
    Age
    28
    Posts
    1,731
    Follows
    1
    Following
    0
    Mentioned
    40 Post(s)
    Tagged
    0 Thread(s)
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0

    Default

    This is the cheapest quote I have got from MoneySuperMarket - Helping You Make The Most Of Your Money


    • Pay annually: ?4985.95
    • Pay monthly ?5871.94
      Deposit ?1007.19
      Monthly rate ?442.25 x 11



      I hope the VW dealership has something more reasonable.


  15. #15
    Senior PakWheeler Follow
    deel_ee's Avatar
    Join Date
    Jul 2006
    Posts
    2,030
    Follows
    0
    Following
    0
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0

    Default

    Try the one I suggested. The rates I've found there have been fairly cheaper than some of the others, even if the brand is the same.

  16. #16
    Senior PakWheeler Follow
    omar_575's Avatar
    Join Date
    Nov 2005
    Location
    Lahore
    Age
    28
    Posts
    1,731
    Follows
    1
    Following
    0
    Mentioned
    40 Post(s)
    Tagged
    0 Thread(s)
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0

    Default

    Quote Originally Posted by deel_ee View Post
    Try the one I suggested. The rates I've found there have been fairly cheaper than some of the others, even if the brand is the same.
    Annual premium?4173.22Monthly premium
    • 1 x ?584.49
    • 11 x ?584.42
    • Total: ?7013.11

  17. #17
    Senior PakWheeler Follow
    omar_575's Avatar
    Join Date
    Nov 2005
    Location
    Lahore
    Age
    28
    Posts
    1,731
    Follows
    1
    Following
    0
    Mentioned
    40 Post(s)
    Tagged
    0 Thread(s)
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0

    Default

    this is the cheapest one i got from confused.com

  18. #18
    Senior PakWheeler Follow
    deel_ee's Avatar
    Join Date
    Jul 2006
    Posts
    2,030
    Follows
    0
    Following
    0
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0

    Default

    I am not surprised. Expect to pay a lot; I decided not to buy a 5 series as my 1st car in UK purely because of the money I would have spent on insurance.

    A friend from Pakistan once told me that you could get a letter from your insurance provider in Pakistan saying that you haven't made any claims in the past X number of years. This could help bring your premium down. I didn't go for it as it was morally wrong and from what I hear, not many insurance providers accept such letters anymore. You can give it a try if you want!!!

  19. #19
    Senior PakWheeler Follow
    omar_575's Avatar
    Join Date
    Nov 2005
    Location
    Lahore
    Age
    28
    Posts
    1,731
    Follows
    1
    Following
    0
    Mentioned
    40 Post(s)
    Tagged
    0 Thread(s)
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0

    Default

    Quote Originally Posted by deel_ee View Post
    I am not surprised. Expect to pay a lot; I decided not to buy a 5 series as my 1st car in UK purely because of the money I would have spent on insurance.

    A friend from Pakistan once told me that you could get a letter from your insurance provider in Pakistan saying that you haven't made any claims in the past X number of years. This could help bring your premium down. I didn't go for it as it was morally wrong and from what I hear, not many insurance providers accept such letters anymore. You can give it a try if you want!!!
    So a Toyota aygo or a vw up it is then

  20. #20
    Senior PakWheeler Follow
    deel_ee's Avatar
    Join Date
    Jul 2006
    Posts
    2,030
    Follows
    0
    Following
    0
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0

    Default

    Yeah - to be honest, buy something temporary to build up a bit of driving history. My insurance premimum came down by 40% nearly when I renewed it for the second year.

+ Reply to Thread
Page 1 of 2 12 LastLast

User Tag List

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •