Key Findings

Context

The Reframed Brief

Original research optimised for a teen learner's first car. This pass re-weights for a parent's daily driver that teens will learn in and may eventually inherit. Lake District trips from Harrogate, motorway comfort, and ACC quality now share equal weight with teen insurance cost. Budget stays at £15k.

Warning

The ACC Lottery

Of 11 cars evaluated, 5 were eliminated because ACC is unavailable, unsafe, or unaffordable on in-budget trims. Only Toyota and Honda fit ACC to every trim as standard — with all other brands you must verify each individual used car before buying.

Arbitrage

The Kona Oversight

The Hyundai Kona 1.6 HEV should have been in the original research. Full self-charging hybrid (not mild), Insurance Group 11-13 (beats the Yaris), 361L boot, £10-15k used. The only friction: ACC is an optional SmartSense pack, so you must filter for equipped examples.

New Candidates

Cars not in the original research that passed all criteria

Eliminated — and Why

Car Dealbreaker Verdict
Hyundai i20 DCT No ACC on any trim in this generation — never available regardless of spec Eliminated
MG3 Hybrid+ Insurance Group 23-24. Driver seat detached during NCAP crash test — a unique failure in 29 years of testing. Pre-Aug 2025 production unaffected by MG's design fix. Eliminated
Suzuki Vitara 1.4 SHVS Insurance Group 22 for a 17-year-old. Last NCAP test was 2015 — an outdated protocol that predates modern pedestrian and safety assist criteria. Eliminated
Renault Clio E-Tech ACC only on RS Line via an optional pack that was inconsistently fitted during chip shortage era. Too patchy to rely on finding a confirmed example under £15k. Eliminated
Renault Captur E-Tech ACC only on Esprit Alpine trim — consistently priced above £15k on the used market for any reasonable mileage example. Eliminated

Where I Land

Buy Now
#1
Toyota Yaris Hybrid
The benchmark survives scrutiny. ACC always standard, Toyota reliability, Group 13-14. Nothing unseats it for this brief.
#2
Hyundai Kona 1.6 HEV
Best new find. Lower insurance than Yaris, bigger boot, full hybrid. Filter specifically for SmartSense-equipped examples.
#3
Toyota Corolla Hybrid 1.8
Grown-up Yaris. Better motorway car, bigger boot. Group 17 is higher but manageable. Budget is the main squeeze.
#4
Skoda Kamiq 1.0 DSG
Kodiaq DNA in a smaller body. Familiar controls, 400L boot, Group 14. No hybrid, but a known quantity if you like your Skoda.
Conditional / Watch List
Honda Jazz Hybrid
ACC always standard, excellent hybrid. Groups 18-22 is the only problem — get a teen insurance quote before deciding.
Kia Stonic GT-Line S DCT
Group 8-9 is extraordinary for teen insurance. Only recommended if keeping premiums as low as possible is the #1 priority.
Nissan Juke Hybrid / Yaris Cross
Right cars, wrong price right now. Both sit above £15k for good examples. Check back 2027-2028 as prices drop.