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	<title>minipix.co.uk &#187; insurance</title>
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	<description>All the best things come in small packages.</description>
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		<title>Planning for the future</title>
		<link>http://www.minipix.co.uk/2008/06/planning-for-the-future/</link>
		<comments>http://www.minipix.co.uk/2008/06/planning-for-the-future/#comments</comments>
		<pubDate>Sun, 15 Jun 2008 12:29:22 +0000</pubDate>
		<dc:creator>Matthew</dc:creator>
				<category><![CDATA[Life]]></category>
		<category><![CDATA[Minis]]></category>
		<category><![CDATA[Cars]]></category>
		<category><![CDATA[Ford Escort]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[Neddy]]></category>

		<guid isPermaLink="false">http://www.minipix.co.uk/wordpress/?p=507</guid>
		<description><![CDATA[It seems only yesterday I bought Neddy, my lovely little Mini Sidewalk, unadulterated and raring to get into the Mini scene.  I&#8217;ve since added my own refinements, like 5-spoke alloy wheels and a carbon-fibre dashboard and suchlike, but it&#8217;s remained essentially the same car.  Cute, friendly, stubborn at times, but a great friend.
Odd, then, that [...]]]></description>
			<content:encoded><![CDATA[<p><img class="alignright size-full wp-image-510" style="float: right;" title="dscf2705-1" src="http://www.minipix.co.uk/wordpress/wp-content/uploads/2008/06/dscf2705-1.jpg" alt="Neddy" width="300" height="225" />It seems only yesterday I bought Neddy, my lovely little Mini Sidewalk, unadulterated and raring to get into the Mini scene.  I&#8217;ve since added my own refinements, like 5-spoke alloy wheels and a carbon-fibre dashboard and suchlike, but it&#8217;s remained essentially the same car.  Cute, friendly, stubborn at times, but a great friend.</p>
<p>Odd, then, that I should be even considering letting that car go.</p>
<p>Unfortunately, that&#8217;s the way life is at the moment.  Minis are great fun, and I can&#8217;t think of a car better suited to me, but in all honesty they&#8217;re not the most practical of vehicles.  For just me, it&#8217;s fine, but my wife wants to learn to drive, we want to have kids, and there just isn&#8217;t enough room in a Mini for all that.  I wouldn&#8217;t want Ellie learning to drive in a Mini, not because I&#8217;m afraid of her breaking anything, but more because I&#8217;m afraid of it breaking her &#8211; Minis don&#8217;t have crumple zones.  The inevitable upshot of that looming eventuality is that Neddy will need to go.</p>
<p><span id="more-507"></span>So I&#8217;ve been looking into what other potential cars we could buy.  We don&#8217;t want a small car, because that&#8217;s not really going to be a huge improvement over the Mini.  We don&#8217;t need anything bigger than a small estate car because we just can&#8217;t justify it at the moment.  There is certainly no need for a 4&#215;4 or a people carrier, and as much fun as it would be to have a sports car we can&#8217;t afford it and we could probably get more shopping in the Mini.  So, we&#8217;re looking at a medium-sized family saloon, nothing special, nothing expensive, just something cheap and cheerful to satisfy all our needs.  Incidentally, this also means satisfying my undying need to have a little fun every now and then &#8211; not breaking the law, and not taking unnecessary risks all the time, I just enjoy having the option of throwing the car into a corner every now and then.</p>
<p>It would appear, then, that the ideal solution is a Ford Escort.  They&#8217;re cheap to buy (I&#8217;ve found decent ones for sale for around £1000), cheap to maintain (every good mechanic knows how to fix a Ford Escort), reliable, spacious enough for a small family, cheap to insure, and relatively safe.  Sure, it&#8217;s not the best car on the market, not by a long way, but for our needs it&#8217;s probably our best option.  And I trust Ford with this sort of car &#8211; I had a Fiesta as my first car, and while it wasn&#8217;t anything special, it was a good little car.</p>
<p>What&#8217;s surprised me most, however, is the insurance.  I&#8217;ve played around with a few insurance web sites and got a few quotes, and discovered to my relief that insuring Ellie to learn to drive isn&#8217;t going to be as expensive as we&#8217;d thought.  Because I&#8217;ve been driving for a while and built up a good no-claims bonus that puts me in good stead, and apparently the fact that we&#8217;re married also gives us additional benefits &#8211; which is the first time I&#8217;ve come across an industry that actually likes the fact that we&#8217;re married.</p>
<p>So, given that I can almost definitely sell Neddy for a lot more than I bought him for, we&#8217;ll have more than enough left over to pay for a second-hand Escort, cover the insurance, and pay for Ellie to have driving lessons.  That&#8217;s not bad going.  It will be sad to say good bye to my beloved little car, but thankfully none of this is actually going to happen just yet &#8211; I&#8217;ll almost certainly have the Mini at least until the end of the show season!</p>
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