i'd agree. for the first few months use a rental car until you are happy driving on the roads .. mmm comfortable may be a better word as i don't think anyone is ever happy driving on the roads here
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there's an old joan armatrading song that goes "don't use your army to fight a loosing battle" pretty apt considering the driving!
rent prepayments are normally 2 or 3 post dated cheques (for the year) submitted to the landlord. in some instances if you finances allow you can haggle a little and give him a "one off" payment for the year for a slightly lower rental (although don't expect much of a discount, and the interest rate one the money is probably more than the saving!)
back to vehicles. when you do feel up to buying one of your own you can easily arrange finance through the banks. insurance for the year is in advance and payable on registration. the vehicle has to be re-registered every year (and again the insurance paid up front).
would also suggest that you budget for at least 2 proper full services per year as the environment is exceptionaly harsh on things mechanical. these will probably cost you about 1,000 - 1,200 unless there is a major repair (also depending on the model of vehicle).