Currently reading: James Ruppert: which used car is best to keep a no-claims bonus ticking over?

Our resident used car expert tells you what car to buy if you don't really need a car

There have been some pretty fun questions pinging my way recently and I thought this one was worth sharing: “I’m about to lose my eight years’ no-claims bonus because I only drive commercial vehicles. I need the most economical solution to keep it.” 

That’s interesting because you never think about someone who might drive professionally and may never normally need a private car. That is, until they do. The only way to solve this is to go and buy a car, and the conundrum is perfectly summed up by the bloke who, at the moment, isn’t in the driving seat. 

“So do I go for a £500 motor plus £400 insurance and tax? Or a £3000 classic with £200 insurance and tax, possibly MOT exempt and with higher resale?” 

Firstly, as explained previously, possibly more than once in this column, we rather like MOT tests and avoiding them, even legally, does not help anyone at all. If our professional driver can’t stump up £50 a year to make sure his daily is safe and sound, then I wonder how secure his load is? 

I suppose it is possible to do both: to buy an interesting car that will ultimately become classic. The trajectory for all cars seems to be banger, then ironic classic which is celebrated on social media, before becoming a ‘true’ classic and appearing in an auction catalogue with a ridiculous reserve.

Lead zx coupe

If the car is not going to be used much, it needs to be reliable, simple and fairly bomb-proof. If he wants to save money, then go cheap and buy a cockroach. I know I should be concentrating on something Japanese but that is too easy and, right now, could make classic status more of a long shot if it is a boring hatch. Instead, a Citroën ZX is enough of a curio to become unironically interesting, especially in coupé form. You’d struggle to pay more than £1000 for that and you read it here: the breeze-block styling guarantees future interest. 

Upping the budget a bit and aiming for one of those reliable Japanese cars, it has to be a Honda, but not a Honda Civic. For £2500, you can bag a 1998 Prelude 2.2 VTi Montegi. A few years ago, these were comfortably three figures. Here, though, is a full-service-historied 100k-mile example with a full year’s ticket. The only way is up for one of these. It looks very different, is compact compared with everything around today, is very nice to drive and has a VTEC engine.

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Find a used Honda Prelude on PistonHeads

There you go: two wonky suggestions to fill an automotive hole in someone’s life. I mean, why go without wheels and jeopardise your no-claims?

What we almost bought this week:

Eunos Roadster - It’s still the original and best, albeit a Japanese-market Eunos Roadster rather than a UK Mazda MX-5. No matter; the important thing is that the 80,000-mile car is rust-free on arches and sills. It’s had a new bonnet and bootlid (“sun damage,” says the seller) and the oil is “spotless”. It looks the basis for a good mechanical project.

Mazda eunos 1

Tales from Ruppert’s Garage:

BMW 320, mileage: 81,728 - We took a trip to the Norfolk seaside in the Baby Shark, which seemed appropriate. Indeed, we bumped into some rather larger sharks in the shape of some CS models. We could only have been at Jaymic. If you are into your old BMWs, Jaymic has been the go-to expert for centuries for anything ’02. The chaps there reckon they can sort out the awful carburettor performance. They were very complimentary about the E21’s lack of rot and overall originality. Anyway, I will be leaving it with them soon to do all sorts of stuff, including new sills, rust-proofing and the ancient air-con.

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P1040015 2

A to Z Bangerpedia: 

M is for Mercedes 190: Here was the dull alternative to the BMW 3 Series, back when Mercs were built properly. It still has the badge and the image to impress and the durability that keeps running costs containable.

There seem to be lots around and at planet earth prices. Many are rusty, have been clocked or show a reasonably true 534,000 miles. You are supposed to buy a 2.0 190E auto, but anything with an automotive pulse and MOT will do. Just £795 buys a diesel auto from 1992 with a long MOT that just needs tidying.

008162800 1221653274 2

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Readers questions:

Q: I’m looking for a medium-sized, four-wheel-drive car for £12k to £15k, such as a Land Rover Freelander, Lexus RX, Volvo XC60… Suggestions? Malcolm Richardson, via email 

A: Reliability issues dog the Freelander and the Lexus is dull to drive. The XC60 is a solid old thing but our vote goes to that great all-rounder, the Mazda CX-5. Your £12k will buy a 2015 2.2 D Sport Nav AWD with 63,000 miles. JE

Cx5 q

Q: We’ve had a diesel car for years but have just got a petrol as a second car. How can I avoid misfuelling the diesel? Paul Bodian, Chesham

A: Try fitting a prevention device such as Fuel Angel. We’ve not tested it but it was given the thumbs-up by MIRA, an automotive research organisation. Around 150,000 misfuelling incidents occur each year. JE

Q: What compact car can you recommend that would carry tallish items as well as fairly long ones? Colin Hall, Worthing

A: How about the Honda Jazz? Its ‘magic rear seats’ fold up cinema-style, so you can stand items up to 1.2m tall from floor to ceiling. Meanwhile, the front passenger seat folds so you can carry items 2.4m long. JE

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lindmarr 30 September 2019

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jer 14 November 2018

What a waste of 12k for a 63k miles CX5

Better but something with less miles to avoid paying for mid like stuff shocks and bushes. That's also around the point cars start to drive noticeably worse than new. That's ok but not at12-15k.

martin_66 13 November 2018

ZX? Good luck!

always really liked the ZX, especially the 2 litre Volcane, so found this article interesting. So, I looked on the Internet for any ZX for sale.  I found THREE!  And none of them were the three door model!

Great advice there James!!