Car without drivers

[gdiza]

Okay, as many of you will know, I finally got my learners yesterday!
Yeah, finally, blah blah blah.

Now I wanna get a car, I can't drive, but I want to learn on it, and eventually pass out with it.

I deal with alot of ads and such and many car places say you can get a car without a drivers which is pretty cool.

Now I ask you guys;

How would one go about this; what are the pro's and con's to this.
Let's all remember that I won't be driving the car on the roads till I can drive myself, I'll let my friends drive it etc.

My main aim is, I need to get wheels and yeah...

Ideas ?
Suggestions ?
Comments are welcome please.

[Surv0]

but I want to learn on it, and eventually pass out with it.

:eek: dont get caught drunk and passed out in your car... think as long as you arent in the driving seat its ok though :p

I dont let friends drive my car, purely because i can trust no1 besides myself in it. Too many idiots on the road doing to many idiotic things to risk putting your assets in somebody elses hands, unless you are completely covered by insurance and can take the risk.

[gdiza]

I dont let friends drive my car, purely because i can trust no1 besides myself in it.

Ah Surv0, I trust my friends! :)

As for the drinking part, no, I won't do that, I'm not stupid. :D

As for insurance, something tells me, I won't get any insurance place to insure me till I get my drivers.

[Surv0]

As for insurance, something tells me, I won't get any insurance place to insure me till I get my drivers.

Indeed, unless you get your dad/mom to insure it under their names until you can take it over. Avoid driving without insurance, not only is it incredibly bad for you but anyone that your vehicle might drive into.

I still feel that all cars on the road should at least have 3rd party insurance incase they hit somebody else, but thats not the case here. If the guy that hit you is clearly in the wrong, and he doesnt have insurance.... you pay for the damage. Sucks big time, as there are many people in this country who drive like idiots and drive without insurance.

Just becareful :)

[gdiza]

Okay, from what I've been told by a few people is the following:


U NEED TO HAVE A LICENSE TO GET BANK FINANCE! SO EITHER U WAIT OR GET THE FINANCE ON SOMEONE ELSE’S NAME???????

So, then I thought... since I don't have my drivers, I won't get bank finance that way, HOWEVER!!!

What If I was to take a personal loan (Eg: from FNB) for an amount that I want, say for argument sake, R45 000 and ya, pay it back over 54 months.

Could that be done?!?
Good idea? Not good idea?

[ColinR]

They'll want something to use as surety, with a car loan they can always sell your (their) car to recoup costs if you fail to pay, they cannot sell you, if you default on personal loan payments!

[gdiza]

That doesn't make sense, I've taken 3x loans out from FNB before but these were for like, small amounts (±R5000) (and paid them off)
Nothing bout surety then.
It does make sense of cause... but hmmmmmmmmm... :confused:

[alf101]

Okay, as many of you will know, I finally got my learners yesterday!
Yeah, finally, blah blah blah.

Now I wanna get a car, I can't drive, but I want to learn on it, and eventually pass out with it.

I deal with alot of ads and such and many car places say you can get a car without a drivers which is pretty cool.

Now I ask you guys;

How would one go about this; what are the pro's and con's to this.
Let's all remember that I won't be driving the car on the roads till I can drive myself, I'll let my friends drive it etc.

My main aim is, I need to get wheels and yeah...

Ideas ?
Suggestions ?
Comments are welcome please.

Didn't mention it before, but can't u maybe do your Drivers in Knysna, or somewhere?
Think u don't have to wait as long.

[ColinR]

That's the thing, it was smaller amounts, so minimal risk.
Larger amounts they start getting stickier, they may well grant it - will just be more difficult; and with the new Credit Act...

[gdiza]

I'm not sure if they allow that anymore... You have to do the tests etc in your 'area'

For example, I stay in CPT, so I must do it at Gallow Hills, but if I went to Goodwood or Ottery, I could probably get away with doing it there but going out to say Worcester or Knysna etc... that's not allowed anymore.

[gdiza]

and with the new Credit Act...

Oh yeah... :( NCA :mad:

[gdiza]

Let me quickly apply online for say R45 000 personal loan and see what happens ;)

[ColinR]

Yeah, I suppose if you have muchos income, they'll green light, then again, if there is loads of money, why the loan - pesky Catch-22 :sick:

[gdiza]

Nope... now suddenly you have to have a gross of R6750 per month.

This f'ing NCA!

[ColinR]

NCA got me all riled up when applying for the bond, a few sleepless nights!

[gdiza]

How so?

Please tell me... :(

[ColinR]

Was just a panic knowing things are far stricter now. Had to sell the old house, and then not knowing if the new bond gets approved, could have been on the street.

But yeah, again bonds are easier for a bank, you default on payments, they simply claim their house back.

[gdiza]

I'm checking the CapeAds now and I see a ad from Janjira Car Sales that says "Good instant finance available, no deposit, no license"

Mmmmmmmmmmmmmmmm!!!!!!!!!!!!!!!!!!!

[gdiza]

*bump*

Just incase someone might know something I don't... please let me know!

[gdiza]

Seems Janjira Car Sales can help me, however, they'll apply to the bank on my behalf and maybe I can get R30000 / R40000 loan type thing.

Any other costs I must expect?

So many of you have bought cars via banks etc... what else can I expect?!?!?

[VernD]

This might come a bit late but Wingfield Motors can offer you the same and they're much more reputable than Janjira.

[gdiza]

Thanks for this VernD, I'll give them a call and ask!

[Gnome]

Now I wanna get a car, I can't drive, but I want to learn on it, and eventually pass out with it.

Seriously get a cheap, small car to learn with!

Unless you can already shift perfectly and drive well ;)

You're bound to have problems with clutch control and shifting at first, if you get a nice expensive car to do that with the engine and gears are likely to suffer :(

Also overly powerful cars are a bad idea for beginners I think...

[VernD]

Seriously get a cheap, small car to learn with!

Unless you can already shift perfectly and drive well ;)

You're bound to have problems with clutch control and shifting at first, if you get a nice expensive car to do that with the engine and gears are likely to suffer :(

Also overly powerful cars are a bad idea for beginners I think...

Agreed.

One of my sisters bought a 1.8 Citigolf Sport as a first car. Not only was it her first car, but the first time that she'd be driving a manual, having learnt to drive on an automatic - not a wise decision on her part I said.

[gdiza]

I went to Auto Investment today and was helped by a very beautiful and very helpful lady called Shanaaz.

I took all the correct docs except my bloody payslip, which I must fax thru to her next week Tuesday.

I am applying for a R59,995 loan/finance thingy.

Look, the way I see it...

My drivers is in Jan 09, I start paying for my car now, I learn by doing drivers (on the driving school's car) and am driving by... say, 3 months time and officially by the time i get my drivers... why the hell wait till then to START paying for a my car??!?!?

[HavocXphere]

Never let anyone drive your car. Thats just looking for insurance grief.

Make sure that you take the drivers in the car you practiced with.

[gdiza]

Make sure that you take the drivers in the car you practiced with.

Yes, I know, so I know it, and also cause I feel comfortable and confident in it... yeap, roger that!