I am relatively newly single. I'm not an idiot, have quite a good job, but my husband dealt with everything practical and we have been together since I was 17. I have never got involved in car related things. Mainly because I only passed 5 years ago and my ex husband bought the car, drove the car, sorted MOT and all that stuff. By the time we split up, car was old and I kept it as I do all childcare (with zero CM, another story).
Now the car is kapput. It's nearly 20 yrs old, 160k miles. I need a new one, but I think I'll get ripped off. I have very little money to buy one outright. Can I ask you some moronic questions as I don't know who else to ask...
- My insurance doesn't cover me to drive other cars, only my own. How do I buy a car and then drive it back from the dealership or whatever if I'm not insured?
- Do my current insurance provider reimburse me for the year I've bought and then I buy new insurance for my own car? Or do they transfer it and maybe I'll have to pay more?
- I'm hopefully going to borrow some money from my mum to put towards a deposit, it looks like HP would be better rather than PCP, as I'd own the car outright after I'd finished paying monthly. I need a mortgage in two years and want to pay it off before I need to remortgage. That's sensible, right?
- What should I look out for when buying a second hand car?
Help me not be an idiot please.