In an article on a BMW-faced Honda Accord we found for sale on Craigslist back in 2008, we wrote that in a perfect world, our ultimate car would be “designed by Italians, engineered by Germans, built by Japanese and marketed by Americans”.

So, what’s the worst car one could imagine? Well, if we played around with the above statements, we’d say one designed by Japanese, engineered by Americans, built by Italians and marketed by Germans.

But UK insurance firm Warranty Direct had something a little bit different in mind. Instead of playing the origin card, the company decided to check out its database of 50,000 live policies on cars aged five years on average to part the UK’s most unreliable vehicle that would break down every other month and cost an average of £2,050 (equal to US$3,270 – €2,330) to fix each year.

By studying its Reliability Index tool that measures car reliability by considering average cost of repair, frequency of failure, age and mileage, the UK firm came up with an owner’s nightmare, which it calls the Monster Mk1.

The most unreliable car would be powered by an MG TF engine, ride on the suspension of a BMW M3, and have the electric workings of the Renault Megane, the air-conditioning system of a Seat Alhambra, the heating system of a Seat Toledo, the ignition of a Mercedes V-Class, the steering system of a Volvo C70, the gearbox of a Land Rover Freelander and the brakes of an Audi A8.

Commenting on the results, Warranty Direct managing director, Duncan McClure Fisher, said: “The Monster Mk1 represents the worst-performing vehicles in every sector, from suspension to electrics, on our roads today. The wide range of cars included in our special blend highlights how mostly reliable cars can be dragged down by one problem part.”

According to the British company, nearly 40 percent of BMW M3s require repairs to axle and suspension components alone each year, while the same percentage of Renault Meganes report an electrical fault on an basis.

Furthermore, one in five Land Rover Freelanders suffer transmission glitches each year and the same number of Audi A8s will need repairs to their brakes.

The company also found that almost a fourth of MG’s TF sports car owners will experience engine troubles, while more than one in eight SEAT Alhambra MPVs will need their air-con fixed during a typical year.